Chapter 13 Helping You Live a Debt Free Life

Riverside Chapter 13 Bankruptcy Attorneys

Our Legal Team Is Ready to Assist You

Are you having a difficult time keeping up with monthly bills? Are you overwhelmed with debt and worried you will lose your home, business, or other assets? Then get in touch with SM Law Group, APC so our seasoned legal team can assess your situation to determine if you are eligible for Chapter 13 bankruptcy.

Under a Chapter 13 bankruptcy, you can keep many of your assets and properties while still getting debt relief through a structured repayment plan. Bankruptcy is a complex legal process and serious decision that shouldn’t be made without first consulting with a seasoned bankruptcy attorney to discuss all of your options to make sure your best interests are protected.

Bankruptcy Process for Chapter 13

As a Riverside resident, when you file your bankruptcy petition, you will be issued an automatic stay from the court, which will prevent the creditors from pursuing the money you owe them. This means that all collections will halt and foreclosure sales will stop.

The Chapter 13 bankruptcy process also involves the following:

  • Completing credit counseling
  • Appointment of a trustee by the court to manage your case
  • Submitting a repayment plan that outlines how you will repay your debts.
  • Meeting with creditors about your proposed plan
  • Confirmation hearing where the judge will either approve your plan or request that you modify it, or convert it to a Chapter 7 instead
  • Beginning your repayment plan
  • Once your repayment plan is complete, your debts will be discharged.

Chapter 13 bankruptcy allows you to propose a payment plan for your debts. Debtors who file Chapter 13 have to make payments for 3-5 years before their debts will be discharged. It’s important to note that creditors cannot object to the plan or foreclose any property you own.

Chapter 13 & Home Equity

Some homeowners lose a lot of equity on their property in just a few years. Chapter 13 bankruptcy can help homeowners regain equity. If the value of the property is lower than what you owe on your first mortgage, then speak to us today to find out how we can help you eliminate a second mortgage through Chapter 13. Another benefit of Chapter 13 bankruptcy is cram down. With a cram down, you’ll have to pay the present value of your property instead of what you actually owe.

Reliable & Compassionate Legal Representation

If you are feeling trapped with mortgage payments or other debts, then Chapter 13 can give you a chance to manage this exhausting burden. At SM Law Group, APC, we have nearly a decade of experience helping Riverside residents with different aspects of Chapter 13. Our legal experts have a deep understanding of bankruptcy law, and we are prepared to put our knowledge to work for you.

Call (818) 805-1758 to schedule a free case consultation with SM Law Group, APC so we can determine which bankruptcy option is right for you and your family.

Get a Fresh Start & Wipe Away All Your Debt

See Our Winning Case Results
  • Individual v. Credit Card Company (harassing phone calls) $175K settlement
  • Individual Chapter 13 Over $75k in Mortgage Arrears Reorganized
  • Individual Chapter 13 $100,000 of Unsecured Debt Discharged
  • Individual v. Credit Card Company (harassing phone calls) $300K Settlement
  • Small Business Chapter 7 Over $2 Million Debt Discharged
  • Individual v. Credit Card Company (harassing phone calls) $100K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $280K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $100K Settlement
  • Individual Chapter 7 Over $1 Million Debt Discharged
  • Individual v. Credit Card Company (harassing phone calls) $150K Settlement
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Client Reviews

Hear From The People We've Helped
  • I would recommend them to anyone.

    “Very professional. Even when the defending insurance company tried to drag out the procedure and lowball the payment, the attorneys at SM would always push forward in order to get me the highest ...”

    - Joshua N.
  • Great working with you guys!!

    “I'll contact you guys again if I need help with anything else. Much appreciated all the help from everyone at your office. Thanks!”

    - Hermes P.
  • They were awesome and spent time with me over the phone and answered my questions.

    “I had some legal questions and I gave them a call. They were awesome and spent time with me over the phone and answered my questions. With all this Covid stuff I didn't need to even go into their ...”

    - Shawn M.
  • I can finally say that someone helped me get justice.

    “John as helped me with multiple matters. I can confidently say that he was the easiest and best lawyer I could of asked for. He is a professional when it comes to maximizing settlements and getting ...”

    - Eddie S.
  • I was extremely happy and satisfied with my settlement and outcome of my case.

    “My personal injury attorney was Kian Mottahedeh. He was extremely professional, and he was always available whenever I had a question or concern. Both of his legal assistants, Esmeralda and Genesis, ...”

    - Dan N.
  • Thank you, Kian, for your professionalism and expertise!

    “During the most difficult time SM Law walked me through every step and got me an amazing settlement. Thank you, Kian for your professionalism and expertise! I highly recommend SM Law!”

    - Nathan N.
  • The absolute best when it comes to handling bankruptcy!

    “They do not pass any judgment upon you - they are simply there to help. I found them to be honest, reliable and timely. The support staff is extremely friendly and very informative. The lawyers have ...”

    - Anna G.
  • John and the representative who met me at the courthouse were very thorough and guided me every step of the process.

    “Thank you John Sarai and the rest of SM Law Group for helping me file my Bankruptcy Chapter 7 case. It was a smooth process. John and the representative who met me at the courthouse were very thorough ...”

    - Evitha B.
  • They made a very stressful situation much easier for me.

    “SM law group handled my bankruptcy case and I was very satisfied with their service. They made a very stressful situation much easier for me. They explained everything to me and it was fast and ...”

    - Lenny DcComics
  • I have never experienced more professional care. My phone calls and emails were answered within 5 minutes!

    “Absolutely outstanding experience! Kian Mottahedeh was my attorney. I have never experienced more professional care. My phone calls and emails were answered within 5 minutes every single time. Kian is ...”

    - Lenka Wallace
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In The News

Recent Feature in The Los Angeles Daily Journal

Learn more about the work that is captured in the news. Our team is recognized in our community and among our peers for our tireless devotion to clients facing bankruptcy and personal injury-related matters.

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