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Chapter 13

Ventura Chapter 13 Bankruptcy Lawyer

Serving Clients with Unparalleled Legal Counsel

At the Law Offices of Janet L. Mertes, we understand that any financial stress can be a large burden on you and your family, which is why we take the time to speak with our clients and discuss options for repaying or discharging debts through bankruptcy.

Our Ventura Chapter 13 attorney has extensive experience in helping our clients, and we take pride in offering personalized service and individualized attention for each and every client that walks through our door.

If you are looking to gain control of your financial freedom, do not hesitate to contact the Law Offices of Janet L. Mertes right away.

How does Chapter 13 differ from filing Chapter 7?

Chapter 13 bankruptcy is different from Chapter 7 bankruptcy in that Chapter 13 allows you to retain all assets and property while still eliminating debts.

With Chapter 13, you will:

  • Be granted a repayment plan through the bankruptcy court
  • Repay debts over the course of a few years
  • Consolidate debts so that you can pay one lump sum each month that is split between creditors and lenders
  • Possibly discharge some loans left over after the repayment period.
  • Stop creditor harassment, save your home from foreclosure, and halt all wage garnishments

Each individual's situation will vary and your unique circumstances will need to be discussed with an attorney. If you are unsure whether a Chapter 13 or Chapter 7 is best for your situation, you can trust that we will take the time to understand what works best for your case. It is important to contact the Law Offices of Janet L. Mertes as soon as possible to speak with a trusted Ventural bankruptcy lawyer.

Call for a Free Consultation

Do you have questions or concerns regarding your bankruptcy situation and how an attorney can help you overcome your financial burdens? If so, now is the time to act! Carrying the burden of financial strains can be overwhelming, and we’re here to help you take that first step towards a debt-free future.

We encourage all Ventura residents to contact our Chapter 13 attorney as soon as possible and speak with our trusted bankruptcy lawyer right away. Having the right legal professional on your side can make all of the difference in the outcome of your case.

Contact the Law Offices of Janet L. Mertes today and schedule a free chapter 13 bankruptcy consultation.

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