Helping Anaheim Residents Catch Up on Debt and Protect Their Homes
If you are behind on your mortgage, car payments, or other debts, Chapter 13 bankruptcy may give you the fresh start you need. Also known as the “wage earner’s plan,” Chapter 13 allows you to reorganize your debt into an affordable repayment plan over three to five years. This option is especially valuable for homeowners in Anaheim who want to stop foreclosure, protect your home from foreclosure, prevent repossession, protect their assets, and create a realistic path toward financial stability.
At the Law Office of Andrew S. Cho, we provide trusted guidance for individuals and families throughout Anaheim, Fullerton, Brea, La Habra, and surrounding areas. Our team has extensive experience in Chapter 13 cases and offers bilingual services in English and Korean to serve the diverse needs of our community.
What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy is designed for individuals with regular income who can repay a portion of their debts over time. Unlike Chapter 7, which liquidates non-exempt assets, Chapter 13 helps you keep your property while making manageable monthly payments based on your income and expenses.
Key Benefits of Chapter 13:
Protect home from foreclosure and catch up on missed mortgage payments
Consolidate unsecured debts, such as credit cards and medical bills, into one monthly payment
Prevent vehicles from repossession and other essential property
Stop wage garnishments, lawsuits, and collection calls through the automatic stay
Repay tax debt or domestic support obligations over time
Who Qualifies for Chapter 13 Bankruptcy in Anaheim?
Chapter 13 is best suited for people who:
Have a steady income and want to protect their home from foreclosure
Are behind on mortgage or car payments but can afford to catch up over time
Do not qualify for Chapter 7 bankruptcy due to income or asset limits
Have filed Chapter 7 bankruptcy in the past and need relief again
At our Anaheim law office, we review your financial situation carefully to determine if Chapter 13 is the right solution or if another option, such as Chapter 7 or debt negotiation, may be more effective.
The Chapter 13 Process
Free Consultation – We meet with you to discuss your debts, income, and goals.
Create a Repayment Plan – We design a 3- to 5-year repayment plan that fits your budget.
File Your Case – Once filed, the automatic stay immediately stops foreclosure, repossession, and creditor actions.
Court Approval – We represent you in court to confirm your repayment plan.
Successful Completion – After completing your plan, many remaining unsecured debts are discharged.
Why Choose the Law Office of Andrew S. Cho
Local knowledge: Proudly serving Anaheim and surrounding Orange County communities
Experience: Trusted bankruptcy attorney with decades of combined knowledge
Compassionate service: Clear, judgment-free guidance at every step
Bilingual support: Services available in English and Korean
We understand that filing for bankruptcy is a major decision. Our goal is to make the process less stressful and provide you with a clear path toward financial recovery.
“I highly recommend their services for credit report problems.”
JJ H.
“Trust Him”
“He is a very hard working attorney.”
Terry K.
“Thank You”
“I'm truly grateful for successfully handling my difficult case.”
Ken
“Truly Grateful”
“I am truly grateful to the lawyer and Eunice who understood my anxious feelings about bankruptcy in my difficult situation and helped me achieve a good result.”
Minhee L.
“Kindness, Honesty, and Competency”
“With my legal matter now resolved, I will always be thankful for Andrew and Eunice's guidance, professionalism, competence and empathy.”
Richard K.
“Highly Recommend”
“I worked with Andrew and Eunice for my bankruptcy case, and they went above and beyond in securing my assets, helping me understand all of my options, and clearly outlining what to expect.”
Angela S.
“Truly Cares”
“He is not only the best lawyer but also very generous and kind, he made me feel like he was my older brother.”
Kevin C.
“Helped Our Family”
“Helped our family through difficult times, grateful for their service.”
Will I lose my house if I file Chapter 13 in Anaheim? No. Chapter 13 is designed to help homeowners stop foreclosure and keep their property while catching up on missed payments.
How long does Chapter 13 take? Most repayment plans last between three and five years, depending on your income and circumstances.
Will filing Chapter 13 ruin my credit forever? No. While bankruptcy will appear on your credit report, many people begin rebuilding their credit during the repayment plan by making timely payments.
Can Chapter 13 reduce what I owe? Yes. Unsecured debts like credit cards and medical bills are often paid at a reduced rate, with the remaining balance discharged after the plan is complete.
Speak With a Chapter 13 Bankruptcy Attorney in Anaheim, CA
If you are facing foreclosure, repossession, or overwhelming debt, Chapter 13 bankruptcy may provide the relief you need. The Law Office of Andrew S. Cho is here to help you create a plan that protects your home, your income, and your future.
Call our Anaheim office today at (714) 384-7633 or request a free consultation online. We proudly serve clients in Anaheim, Fullerton, Brea, La Habra, and throughout Orange County.
