Carlsbad Bankruptcy: Ch. 13 BK

Chapter 13 bankruptcy is an interest-free debt repayment plan through which you can consolidate all your debts and make payments on them over a 3 to 5 year period of time. With a Chapter 13 debt repayment plan, creditors are required by Federal Law to adhere to the terms of the plan.
    
As a matter of fact, in order to file Chapter 13 bankruptcy, you must have a job or a consistent income source. You must make sure you can afford both your living expenses and monthly payment to the court of your consolidated debts.
   
Some examples of debts that can be consolidated in a Chapter 13 bankruptcy are mortgage arrears, balance on vehicle loans, some student loans, credit card debts, and other unsecured debts. All of your outstanding debts must be included in the Chapter 13 bankruptcy consolidation. Call our Carlsbad office to make an appointment to speak with an attorney at Sagaria Law.
 
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