Chapter 13 Serving Families Throughout Fresno

Fresno Chapter 13 Lawyer

Experienced Chapter 13 Bankruptcy Attorneys at your side

Chapter 13 bankruptcy is one of the most common choices individuals make when attempting to settle debts. Whereas Chapter 7 bankruptcy liquidates all non-exempt assets in exchange for the near-total elimination of debt, Chapter 13 is a debt reorganization program. It allows the filer to retain more of their assets and property in exchange for paying off more of their debt. For some individuals with income above the state median, Chapter 13 is their only bankruptcy option.

Why Choose Our Chapter 13 Debt Relief Lawyers in Fresno?

Reasons To Choose Us

  • We Have Filed 1,000+ Bankruptcy Cases
  • We Genuinely Care About Your Success
  • We Provide Free Consumer Case Consultations
  • We Are Board Certified Bankruptcy Lawyers
  • We Have Handled A Wide Range Of Bankruptcy Cases
  • We Fully Understand The Laws Surrounding Your Case

Reach out to our Fresno attorneys at (559) 418-3022 today to learn more about how Chapter 13 bankruptcy can help you in a free consultation!

Is Chapter 13 Right For You?

For those eligible, a Chapter 13 bankruptcy allows you to keep your property and consolidate your debt. For the length of the repayment period, which is between three to five years, your disposable income will be used to repay your creditors. Priority debts such as child support and tax liabilities must be paid in full.

To be eligible for a Chapter 13 bankruptcy, you must:

  • Have a regular source of income
  • Have less than $1,257,850 in secured debt
  • Have less than $419,275 in unsecured debt
  • Be up-to-date on your federal and state income tax returns

**Numbers are valid through April 1, 2022**

What Debts Are Eliminated in Chapter 13?

In Chapter 13, you are allowed to restructure your debts through a repayment plan. This allows you to catch up on missing or late payments on your car loan, mortgage, and more. Not all debts are cancelled with this option and keep in mind that you will be paying a portion of these debts. The remaining balances will be discharged when your repayment period is completed.

Examples of nonpriority unsecured debts that may be discharged are:

  • Credit card debt
  • Lawsuit judgments
  • Medical debt
  • Old nonpriority income tax obligations
  • Personal loans
  • Utility bills
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Why Choose Fear Waddell, P.C.?

  • Board Certified Bankruptcy Attorneys
  • Free Consumer Consultations
  • 1,000+ Bankruptcy Case Filings
  • Decades of Combined Legal Experience

Testimonials

Serving Fresno, CA Since 2014

    "Excellent attorney. I give an A+"
    I am a senior citizen and Gabriel took me by hand, guided me through the process of bankruptcy with patience, caring and most of all he cared about my feelings and the stressful time I was going through.
    - Former Client
    "Highly recommended."
    If Bankruptcy is absolutely your only option and Dave Ramsey's program is too far out of sight, or in my case, a start-up business gone sour, I would HIGHLY recommend Gabe Waddell and the staff over at Fear Law Group.
    - Former Client
    "Thank you so much for all your help through the stressful time."
    He's very professional, informative, answered whatever questions I had, a great listener and returned phone calls promptly.
    - Sandi
    "Professional, comfortable environment run by top shelf people."
    From the moment we started this, though, Peter Fear and the staff there made us feel comfortable and removed the worry and confusion that we were expecting would overwhelm us.
    - Gerone
    "I am extremely happy that I found Peter Fear."
    Peter was a consummate professional, advising me on the process and guiding me through the steps. He answered every question quickly and clearly, which gave me the utmost confidence that my decisions were the correct ones to make.
    - Former Client
    "Attorney Waddell and his excellent staff have been fantastic to work with."
    They do everything within their power to work with the client's special timelines and do everything possible to make the process flow smoothly and efficiently.
    - Cynthia
    "I am beyond grateful to Mr. Fear and Mr. Waddell for their help during a tumultuous time."
    Many of the other attorneys in our hearing were not prepared, missing documents and ultimately ended up being rescheduled. Peter was prepared and the proceedings moved forward without incident.
    - Craig
    "Peter Fear is the best attorney out there."
    He helped guide us through a very difficult and trying time in our life and answered all of our questions and got us through it, and we are forever grateful to Mr. Fear and his staff for everything.
    - R.N.