San Jose Chapter 13 Bankruptcy Attorney

Helping Clients Through the Process of Restructuring Debt

Debt has a way of sneaking up on people. One day you are behind just a payment or two. Suddenly, you are at risk of losing your home to foreclosure. When it seems as though your world is falling down around you, it is important to remember that options exist to help you restructure your debt.

At the offices of David A. Yomtov, Attorney at Law, in San Jose, California, we help individuals and families through the process of Chapter 13 bankruptcy. Contact us to schedule a free consultation with David Yomtov, an experienced San Jose Chapter 13 bankruptcy lawyer.

Reclaiming Financial Control

Different from Chapter 7, Chapter 13 bankruptcy is often an option for debtors with a steady income and those who wish to save their home from going into foreclosure. In a Chapter 13 bankruptcy, a portion of your debts will become subject to a court-approved repayment plan.

Upon successful completion of this plan, usually within three to five years, remaining dischargeable debts will be eliminated. This can include your credit card or medical bills in addition to other types of unsecured debt.

Putting an End to Creditor Harassment

If you are deep in debt, you are probably far too familiar with creditors and their harassing letters and phone calls. After filing for Chapter 13, an automatic stay will be put in place. This makes it illegal for creditors and collection companies to continue efforts to collect funds from you. The automatic stay also halts repossessions, foreclosure proceedings and wage garnishments.

Speak With a Debt Repayment Plan Lawyer Serving the Sunnyvale Area

Life is difficult when you are under serious financial strain. We can help you free yourself from the stress of overwhelming debt. Contact us to arrange a free consultation with a Sunnyvale debt repayment plan attorney. From our office in San Jose, we help clients throughout the Silicon Valley and the San Francisco area.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.