Chapter 13 Bankruptcy

Chapter 13 Bankruptcy Benefits

Filing for Chapter 13 bankruptcy helps clients eliminate second and third mortgages, and also may reduce vehicle loans to present day value. You do not need to give up any personal property. Bankruptcy will stop collection calls, lawsuits, foreclosures, wage garnishments and repossessions. Bankruptcy can discharge unsecured debts like credit cards and medical bills, and generally clients are able to retain their vehicles, personal possessions and homes. In a Chapter 13 bankruptcy, our office works closely with our clients to reorganize their debt and prepare a manageable payment plan

Chapter 13 Bankruptcy VS Chapter 7

A Chapter 13 bankruptcy process takes longer than Chapter 7 bankruptcy. However, it allows clients several other benefits not available in a Chapter 7, such as:

  • The ability to protect additional assets.
  • Remove second and third mortgages.
  • Stop a foreclosure.
  • Set up payments to pay arrearages.
  • Repay non-dischargeable IRS/FTB taxes, without interest.


Under Chapter 13 bankruptcy, clients work with their attorney to create a repayment plan for their debt. The Chapter 13 Plan is based on monthly income and expenses. The repayment plan is submitted to the court, and there is a meeting with the bankruptcy trustee assigned to your case. Once the payment plan is approved by the court, clients make payments for 3-5 years. Any remaining unsecured debt goes away and is discharged at the end of the payment plan.

Free Bankruptcy Evaluation

There is no reason to feel embarrassed or guilty about filing bankruptcy. Many successful people and companies have filed for bankruptcy. Our office is a judgment free zone. Our goal is to help you get relief from your debts and be able to move forward in life debt free.

Many law offices do not have the support staff to answer the phone and emails quickly. The Law Office of Reginald Hindley has the staff available Monday through Friday from 9 a.m. to 5 p.m. to assist you. We also have evening and weekend appointments and offer reasonable rates and payment plans.

The Law Office of Hindley & Henderson represents clients throughout the North Bay, SF Bay Area and Silicon Valley. We have a bankruptcy law office in Santa Rosa to serve Sonoma, Marin and Napa Counties, and a bankruptcy law office in San Francisco to serve the SF Bay Area.  We also can provide services for the San Jose, San Mateo and Silicon Valley.

Contact us today to get the fresh start you deserve.