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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

What Takes Place With Chapter 13 Bankruptcy?

chapter 13, bankruptcy sacramento, chapter 7, attorney, attorneys, lawyer, lawyers, California, CA, bankrupt, Bankruptcy, Stockton, citrus heights, roseville, sacramentoWhen you enter file Chapter 13 bankruptcy you need to be prepared to open up your finances to the court and the bankruptcy trustee. You will have to provide the bankruptcy court with a list of your assets and liabilities. Even if you fear that there is a risk of losing your property, you must disclose ALL your personal property in order to set a clear picture of your estate to the bankruptcy court. You will have to show what your current income and expenses are. You will have to have a schedule of contracts and any leases that are not expired, and you will have to have a statement of your financial affairs. Your answers on this form will help the bankruptcy court pay creditors in a fair and unbiased manner when setting up a payment plan. Depending on where you live, your case will likely be filed with the Sacramento bankruptcy court, which is part of the Eastern District Federal Bankruptcy Court.

You will have to go through credit counselling that is approved by the bankruptcy courts and file a certificate of having completed this requirement. You will also have to take a second financial management class. There are specific timeline requirements surrounding when you obtain your credit counselling certificate and when you file for bankruptcy. You will also have to have a debt repayment plan that has been developed. There may be other things that are required as well for you to take advantage of the Chapter 13 bankruptcy.

Chapter 13 bankruptcy is a complex process. In fact, according to a study by the Central District Bankruptcy Court, less than 1% of people without an experienced Chapter 13 attorney succeed in their Chapter 13 bankruptcy. Therefore, using the services of a qualified bankruptcy attorney to assist you with your Chapter 13 bankruptcy is highly recommended by the United States bankruptcy courts and the bankruptcy trustee. Among the reasons to use an experienced California bankruptcy attorney are: advise you of tax issues, recommend which chapter is best, and whether you should seek a different form of debt relief. This doesn’t matter whether you are going to a Chapter 13 or a Chapter 7, the bankruptcy chapters can be very complex and you will require professional assistance.

Once everything has been supplied that you are required to submit, a repayment plan will be approved and this is what your Chapter 13 bankruptcy will consist of. It will last for a specified period of time (typically 3 to 5 years) in which you will repay as outlined. Once you have completed your responsibilities and doing this then your bankruptcy will be completed.

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