Chapter 13 Bankruptcy |<\/a>\u00a0When people are experiencing financial difficulties, they know that bankruptcy may be an option that can help them out of\u00a0their current situation. They must also be aware of the ways in which bankruptcy can complicate their lives. If they decide\u00a0that bankruptcy is the best plan, they need to hire the services of a qualified and experienced bankruptcy attorney.\u00a0The first thing people must consider is the fact that it may take up to five years to pay under their Chapter 13 Plan.<\/p>Any\u00a0money that they have after they pay for their home, groceries, medical expenses and utilities will be designated toward\u00a0paying their debts. Therefore, they may not have any disposable income for a period of time.\u00a0Bankruptcy will also affect their credit rating. The bankruptcy can remain on credit reports for up to 10 years. Also, they\u00a0will lose access to their credit cards. If they were hoping to purchase a house, the bankruptcy will make it more difficult to\u00a0qualify for a mortgage.\u00a0For those who are going through a divorce, their obligations to pay child support or alimony will not be eliminated with\u00a0bankruptcy. It also cannot relieve them of the need to pay their student loans.\u00a0However, there are clear advantages that can be obtained in Chapter 13.<\/p>
Chapter 13 bankruptcy gives people more time\u00a0to pay their debts. After they have completed their payments according to the plan, their creditors will be unable to collect\u00a0the balance from them in the future.\u00a0The fact that they will not be able to use credit cards during bankruptcy can be a good thing. After all, it is possible that\u00a0they were having financial difficulties because of their misuse of credit cards. Although the bankruptcy will be on their\u00a0credit reports for a long time, this may be preferable to having several defaults, repossessions and law suits on their\u00a0reports. In representing thousands of people over the years, I have seen my Chapter 13 clients make many positive\u00a0changes in all aspects of their lives.\u00a0I am a certified specialist in Bankruptcy. I am dedicated to assisting you every step of the way. D. Max Gardner, Attorney\u00a0at law, serving clients in Kern and Inyo Counties.<\/p>
The Bakersfield division of the Bankruptcy Court covers all of Kern and Inyo Counties. \u00a0I represent clients residing in\u00a0Bakersfield, Taft, Maricopa, Buttonwillow, Wasco, McFarland, Shafter, Delano, Frazier Park, Lebec, Tehachapi, Mojave, Ridgecrest, California City<\/strong>,\u00a0<\/strong>Bishop, Lone Pine\u00a0<\/strong>\u00a0and all other parts of Kern and Inyo Counties<\/p>Call Today: 661-888-4335<\/span><\/strong><\/a><\/p>","footnotes":""},"categories":[1],"tags":[1083],"class_list":["post-22195","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-chapter-13-bankruptcy"],"yoast_head":"\nChapter 13 Bankruptcy | Pros And Cons | Bakersfield<\/title>\n<meta name=\"description\" content=\"Considering filing Chapter 13 Bankruptcy in Bakersfield for your business? Get advice sooner, rather than later. 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