Chapter 13 is generally referred to as "debt consolidation" or "debt reorganization". A "plan" is proposed to pay back your creditors over a period of between 3 to 5 years. Chapter 13 is useful in paying back debts that cannot be taken care of in Chapter 7. Some circumstances where we recommend Chapter 13 include:

1. You owe back house payments but want to keep your house (you pay the back house payments in the "plan" while making your regular mortgage payments after the case is filed),

2. You want to "strip" or "avoid the lien" of the 2nd trust deed on your house,

3. You have a lot of non-dischargeable debts like federal/state taxes; student loans; child support,

4. You have assets that cannot be protected if you filed a Chapter 7 bankruptcy,

5. You filed a Chapter 7 bankruptcy and cannot currently re-file due to time in between filings,

6. You are over the limit or have disposable income in accordance with the "Means Test",

This office takes special care in providing pre-petition planning to ensure that your case is a success and that all of your assets are protected, you are able to keep your personal belongings, household goods, retirement account(s), jewelry, bank accounts, cars, etc. in accordance with the law.

Famous/Noteworthy Bankruptcies

• Barnum, P.T. - Circus owner
• Basinger, Kim - Actress; Oscar winner (1993)
• Baum, Frank - Author of The Wizard of Oz
• Borg, Bjorn - Professional tennis player
• Bracco, Lorraine - Actress (1999)
• Braxton, Toni - Rock Star (1998)
• Carrere, Tia - Actress Wayne's World
• Clemens, Samuel L. (aka "Mark Twain") - Author
• Coppola, Francis Ford - Director; Producer; Film Writer; Oscar winner (1999)
• Defoe, Daniel - Author Robinson Crusoe
• Disney, Walt - Film Producer; Animation/Theme Park Pioneer; Oscar winner (1923)
• Dunant, Henry - Red Cross founder
• Durant, William C. - founder of GM (General Motors)
• Fender, Freddy - Musician
• Fleetwood, Mick - Rock Star; lead member of Fleetwood Mac (1984)
• Gaye, Marvin - Singer (1970s)
• Gracen, Elizabeth Ward - Actress; Model; Miss America 1982 (1999)
• Grant, Ulysses S. - 18th U.S. President; General in the Civil War; Author
• Haim, Corey - Actor (1997)
• Hammer, M.C. - Rock Star (1996)
• Hammill, Dorothy - Olympic gold medalist in ice skating (1996)
• Heinz, H.J. - founder of Heinz Ketchup
• Hershey, Milton Snavely - founder of Hershey's Chocolate
• Howe, Steve - MLB pitcher
• Jackson, LaToya - Rock Star (1995)
• Johnson, Don - Actor; Producer
• Kidder, Margot - Actress; Lois Lane in Superman movie
• King, Larry - Talk-Show Host; Author (1978)
• Lauper, Cyndi - Rock Star (1983)
• Lee, Stan - Comic book pioneer; co-created "Spider-Man", "The Incredible Hulk" etc (2001)
• Lewis, Jerry Lee - Rock n'Roll Star
• Lincoln, Abraham - 16th U.S. President
• McKinley, William - 25th U.S. President 1897-1901
• Meat Loaf - Rock Star (1983)
• Michelson, Marvin - Celebrity Divorce Lawyer
• Nelson, Willie - Singer; Songwriter; Actor; Author (1990)
• Post, Buddy - Lottery millionaire
• Reynolds, Burt - Actor; Director; Author; Oscar nominee (1995)
• Sims, Billy - Detroit Lions running back
• Smith, Anna Nicole - Model; Actress; Playmate (1996)
• Spears, Lynne & James - Author; mother of Britney Spears (1998)
• Spinks, Leon - Boxer
• Trump, Donald - Entrepreneur; Reality Show personality; billionaire
• TLC - Rock Group (1995)
• Twain, Mark - see Lewis, Samuel L.
• Tyson, Mike - Boxer (2003)
• Wilde, Oscar - Poet; Author
• Wilson, James - U.S. Supreme Court Justice 1789-1798
• Wynette, Tammy - Country Music Star (1988)

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