Roseville Bankruptcy: Car Payments in Chapter 13

Sagaria Law in Roseville has also used Chapter 13 to effectively reduce car payments for our clients.  Chapter 13 works by consolidating your debts into a plan that allows you to pay a single monthly payment.  As in a Chapter 7 bankruptcy, Chapter 13 allows you to reduce the amount owed to the finance company so that you are paying no more than what the car is worth plus interest, with any amount above this paid at only a percentage on the dollar.  In fact, Chapter 13 can sometimes be used even after a repossession to allow you to get your car back and force the finance company to accept the reduced payments.  Along with your car, we can also consolidate all your other bills so that these debts are likewise paid at a percentage on the dollar.  Remember, with a repossession time is of the essence; so, do not delay.  Call Sagaria Law today to schedule an appointment so you can learn how a Chapter 13 filing can help you to consolidate your debts and lower your payments.

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