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.

What to Expect from a Chapter 13 Bankruptcy

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.

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) $100K Settlement
  • Individual Chapter 13 Over $75k in Mortgage Arrears Reorganized
  • Individual v. Credit Card Company (harassing phone calls) $250K Settlement
  • Individual Chapter 13 $100,000 of Unsecured Debt Discharged
  • 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) $150K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $280K Settlement
  • Individual Chapter 7 Over $1 Million Debt Discharged
  • Individual v. Credit Card Company (harassing phone calls) $300K Settlement
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Client Reviews

Hear From The People We've Helped
  • 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
  • In the end he got me a settlement for the maximum policy limit which was triple what I expected!!!!! Thank you John!

    “I got into an accident and I called John at SM Law Group and I felt comfortable from the minute I talked to him. He was always available to talk, and didn't pass my case off to anyone else. He handled ...”

    - Negin B.
  • He allowed me time and opportunity to get my bankruptcy paid for and took care of the creditors - for that I am truly grateful.

    “I am truly thankful that I found Kian. He is a truly good person to work with. He allowed me time and opportunity to get my bankruptcy paid for and took care of the creditors - for that I am truly ...”

    - Kera Carter
  • Kian is an awesome lawyer. He helped me get through my bankruptcy.

    “Kian is an awesome lawyer. He helped me get through my bankruptcy. He is easy to talk to and patient in answering all the questions you might have. I would definitely recommend him to anyone that ...”

    - Gonzalo Ceja Canela
  • The attorneys were friendly and helpful and they responded to my emails within minutes.

    “My experience with SM Law Group was very positive. The attorneys were friendly and helpful and they responded to my emails within minutes. I would definitely recommend them to anyone who needs a ...”

    - DeEtta Copenhaver
  • Fantastic firm!!!! trustworthy, reliable, knowledgeable and always available to help.

    “Fantastic firm!!!! trustworthy, reliable, knowledgeable and always available to help. My sister and I were given the opportunity to meet this wonderful firm while they volunteered at one of the ...”

    - Teresa Aguilar Alcaraz
  • My experience with SM Law Group has been excellent.

    “My experience with SM Law Group has been excellent. My attorney was always helpful, friendly and honest with me about what I needed to do and how I needed to proceed through my bankruptcy. I just ...”

    - Wayne Roche
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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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