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  • Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
    --Donna
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
    --David
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
    --Anonymous
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
    --Anonymous
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
    --Joanna
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.
    --Danielle

Benefits Of A Chapter 13

Sacramento bankruptcy, Chapter 7 and Chapter 13 are the two most commonly sought. Both can offer the benefit of financial freedom, but each comes with unique considerations and benefits. While most people think Chapter 7 is the most beneficial form of bankruptcy, many people find there are more benefits of a Chapter 13. Here is why.

Benefits Of A Chapter 13

Eligibility – Not everyone qualifies for a Chapter 7, and qualifying for Chapter 13 is much easier in most cases. This is due to the Means Test requirement that sets forth an evaluation of a debtor’s family size and income against the median level of their state. Anyone whose income exceeds this threshold is not eligible for filing Chapter 7 and must file for Chapter 13 instead.

Flexibility – Chapter 13 offers more flexibility in debt relief because it allows for the resolution of more types of debt. For example, priority debts like secured debts, back due support payments and some taxes may be eligible to be repaid through a Chapter 13 bankruptcy; whereas, they would not be eligible for elimination in a Chapter 7 bankruptcy. This allows for people to resolve debts that are tied to assets they intent to keep and have liens lifting on property they owe a debt on.

Future – Repaying debts through a Chapter 13 payment plan allows you not only to keep secured assets like a home or a car, but can also keep you in a better financial standing. Many creditors favor Chapter 13 filers over Chapter 7, namely because the repayment requirement of Chapter 13 signals less risk in future borrowing.

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