Orange County Chapter 13 Bankruptcy

Chapter 13 bankruptcy is a powerful legal tool that enables you to protect your property in times of financial hardship. A Chapter 13 bankruptcy is sometimes referred to as a “wage-earners” plan.  In order to qualify, you must have a steady income (which can include self-employment).  Chapter 13 can enable individuals with a steady income to repay part or all of their debts, using a repayment plan spanning three to five years.  In a Chapter 13 plan, the repayment plan cannot extend past five years.

Once a Chapter 13 bankruptcy case is filed, you will be able to free yourself of collection actions by creditors.  

In order to complete a Chapter 13 filing, you must provide all of the following:

  • A list of assets and debts
  • A list of monthly living expenses
  • Details regarding your income
  • Driver license
  • Social Security card
  • Tax returns from the previous year
  • Certification verifying that you have completed credit counseling
  • A copy of any repayment plan completed by a credit counseling organization

Once a Chapter 13 bankruptcy petition has been filed, you will have the opportunity to save your home from foreclosure by incorporating your past-due mortgage payments into the debt to be repaid.  You will also be allowed to restructure secured debts so that you can repay them over the course of your plan.

Corporations and Partnerships may not file Chapter 13. Please contact us to discuss your eligibility for a Chapter 13 bankruptcy.

Red Hill Law Group is one of Orange Counties top Chapter 13 Attorney Law Firms.  Call today for more info. 



  • Red Hill Law Group really knows their stuff. They certainly don’t try to push you into bankruptcy. They carefully explained everything, including how a short sale could impact you, and how sometimes it’s better to file Chapter 13, keep your house and make payments. They really seem to care about their clients and that’s very important to me. I recommend them highly.


  • The team at Red Hill Law Group took the time to explain our options and how they could help us climb out from under what seemed a mountain of debt.  Bert Briones was so professional, responsive and understanding of our situation it gave us the reassurance we needed to move forward.    I would recommend the Red Hill Law Group team to anyone struggling with credit card debt and unsure of what next steps to take.

  • Bert and his staff are truly exceptional. They treated me with respect and the utmost sensitivity. They were always easy to reach by phone too, which is huge. Altogether, working with them was a very positive experience for me, and I could not recommend them highly enough.

  • They made my hard situation so easy for me.  Accomodated my work schedule and so down to earth and friendly.  Told me exactly what to expect up front and every thing went exactly as planned.  Kelly, Bert’s assistant, was awesome too.  She is sweet, professional and organized!

  • Red Hill Law Group has helped in a way that would have been impossible for me to do on my own. They have negotiated on my behalf and have come up with a reasonable re-payment plan with my creditors.  Although this has been a long journey for me I look forward to the day that I am completely debt free and I will owe that respect to this law group.

  • Red Hill Law Group has been very helpful and resourceful. I was treated with respect and care.  The results were beyond my expectations.

Orange County Bankruptcy Attorney Bert Briones

FREE consultation

Orange County Bankruptcy Attorney
Bankruptcy Lawyer in Orange County CA.

Call 949-468-0915 for a FREE consultation today.
Learn if Chapter 7 is right for you or if Chapter 13 is a better option.