Chapter 7 or Chapter 13 Bankruptcy, which is right for you?

Chapter 7 - Important Features:

1. Gets rid of most debt if you are eligible.
2. Less expensive than a Chapter 13

You should see an Attorney specializing in Bankruptcy law so that nothing comes back to haunt you in the future.

Chapter 13 - Important Features

1. Almost every person and small business is eligible to file for help.
2. Stops house foreclosure
3. Keep ALL your property
4. Relieves you of immediately paying OVERDUE car payments or lease payments.
5. Stops most IRS and STATE tax penalties and interest from accruing on your tax debt.
6. Allows you to pay back taxes without being bothered by the IRS
7. "Buys Time" if you are behind in house or lease payments
8. Stops most creditors from trying to collect. They CAN NOT grab your paycheck, take your tax refund, empty your bank account, pick up your car, or cut off your utility service.
9. You can usually file for Chapter 13 bankruptcy even if you filed a previous bankruptcy in the recent past.
10. Allows cancellation or stripping of mortgage second or “line-of-credit” if home is worth less than balance of first mortgage.

Call or email us now for more information or further explanation of any of your questions!

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The Debt Doctors
Rodney M. Kleman, Attorney at Law
Over 30 years experience

Monterey
831-649-0200
400 Camino El Estero
Monterey, CA 93940

©2009 Rodney M. Kleman Law Offices