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The Law Offices of Robert F. Sommers The Law Offices of Robert F. Sommers
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Chapter 13 Work Directly With An Attorney Backed by Thousands of Victories and Over 20 Years of Experience

Filing a Chapter 13 Bankruptcy

Helping You Obtain Financial Relief

If you are struggling to pay your bills and feel like you are drowning in debt, you might be considering the prospect of filing for bankruptcy to obtain financial relief. In a society where this word is heavily stigmatized, choosing to file for bankruptcy probably seems like a terrifying decision to make, but it is often necessary and, in many cases, the only way to alleviate one’s financial turmoil. At the Law Offices of Robert F. Sommers in Ventura County, our Chapter 13 bankruptcy attorney will guide you through the process of filing for bankruptcy, so you are able to look toward a better and brighter financial future.

Contact the Law Offices of Robert F. Sommers today at (805) 919-8662 to learn more about how we can assist you.

What Can a Chapter 13 Bankruptcy Do For You?

There is more than one type of bankruptcy available for those who are struggling with unmanageable debt, so it is important for you to consult with a skilled attorney who is experienced in handling such matters to ensure you are filing for the one that is right for your situation.

A Chapter 13 bankruptcy will address both your secured debts and unsecured debts, though it will not allow you to discharge all of your debts. Instead, you will work with your creditors and bankruptcy trustee to reorganize your finances and create a payment plan that will last anywhere from 3 to 5 years. Once your payment plan comes to an end, whatever remains of your unsecured debts will be discharged. However, if you have student loans, these cannot be discharged unless you qualify for a hardship withdrawal.

How Will it Affect My Credit?

One of the biggest concerns people have when filing for bankruptcy is in regards to their credit score. The fact is that, if you are having to consider bankruptcy, chances are your score is not in good condition as it is. Filing for a Chapter 13 bankruptcy will likely impact your credit score for several years, but it will ultimately give you the chance to rebuild it and start afresh. Make sure you make your payments on time since this will be one of the best ways you can get started on rebuilding your credit score.

Chapter 13 Bankruptcy Attorney in Ventura County

Filing for bankruptcy is a big decision that should not be taken lightly and, in fact, should be done with the assistance of a skilled bankruptcy attorney. At The Law Offices Robert F. Sommers in Ventura County, we can help you navigate this complex process to get you started on a better path toward a more hopeful financial future.

Contact our office today at (805) 919-8662 to schedule a complimentary consultation.

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  • "My case would have had a much more severe outcome had he not been in my corner."
    You never believe you could get pulled over for a DUI. Of course I would never drive intoxicated. But I made a poor decision and drove those few miles home. Thankfully there was no accident, however I'd committed a serious crime that would entail serious repercussions . Not only does a DUI affect your insurance, your record as a good citizen, but it is also a whole reality check on your life. I was so fortunate to have had the legal service of Mr. Robert F. Sommers, who dealt with my situation in a caring, efficient manner. The complete process involves much detailed attention. Attorney Sommers took care of it all for me, appearing in court, altering me to what I needed to do, and was always prompt in returning my phone calls, answering questions or concerns. My case would have had a much more severe outcome had he not been in my corner. His fee, which is comparably less expensive than other lawyers serving DUI cases, was worth every penny!
    - L.L.B.
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    What Sets Us Apart From The Rest?

    • Former Prosecutor on Your Side
    • Emergency Appointments Available
    • Over 5,000 DUI Cases Handled
    • 50+ Cases Taken to Trial
    • Customized & Proven DUI Defense
    • Over 20 Years Of Experience