Kerman, CA Bankruptcy Law Firms & Lawyers

People who are subject to collection companies hear this. We consumer lawyers very, very seldom lose cases to the collection companies. Moreover, we generally get the bad marks off the credit reports from the collection agency. Our fees are very reasonable and most of the time we get our fees from the collection companies.

This is complex enough and there are enough permutations that you should spend the money to hire a bankruptcy attorney who can write you either a very lengthy opinion letter or spend an hour or so going over the various options.

I have no idea what the phrase partial payment plan means to you. The chapter 13 program often results in people paying a small amount of their debt over 5 years, and at the end of the 5 year period, the rest of the debt is completely eliminated. To analyze how this might work in your situation would require a review of the amount of your debt, the type of your debt, and the money you have available to pay debt. For example, I commonly represent people who have large tax debt, so the payments made in the chapter 13 program are allocated towards repaying this debt first. Other creditors may be paid a little or nothing at all.