Michael B. Sachs, Attorney

(760) 202-2700


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What is the difference between filing for Chapter 7 and Chapter 13 bankruptcy?

Chapter 7 is also known as debt elimination. Following a means test, individuals are able to discharge all or most of their unsecured debts. Not all debt is dischargeable, so it is wise to contact an experienced attorney for representation.

Chapter 13 is an option for those who do not qualify for Chapter 7 or have a lot of assets that need the protections within Chapter 13. It is commonly known as a debt reorganization and repayment plan.

There are several different types of bankruptcies; however, most clients qualify to file either Chapter 7 or Chapter 13.   Corporations or those with exceptionally high debts do not.  Successfully filing for Chapter 7 will end with the discharging of most unsecured debts, while with Chapter 13 bankruptcy, the debtor must participate in a payment plan to eventually pay back all or part of the unsecured debt.

Both filing options have costs and benefits that must be investigated before a decision is made. Many individuals are also concerned about foreclosure and other mortgage problems. Our office can help you organize your finances and determine the best course of action for your unique situation.


Please note:

The information you obtain on this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.