The Bankruptcy Center of John D. Raymond
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  4.  » Difference Between Chapter 7 & Chapter 13

Chapter 7 Vs. Chapter 13 Bankruptcy

Which Bankruptcy Option Is Best For You?

Filing for bankruptcy can reduce or eliminate many of your unsecured debts. It will stop lawsuits, foreclosure, wage garnishment and vehicle repossession. It can give you the opportunity to make a fresh financial start.

At the Bankruptcy Center of John D. Raymond, we have helped over twenty thousand people obtain debt relief through Chapter 7 and Chapter 13 bankruptcy. We use the bankruptcy laws to maximize the debt relief our clients receive, while enabling them to keep their property and financial assets.

In a free consultation, an attorney at our firm can review your debt relief options. If you decide to move forward with a bankruptcy filing, we will work to obtain maximum debt relief for you.

Contact us to schedule a free consultation. It could be the first step toward a brighter financial future for yourself and your family.

Creative Solutions That Can Save You Money

Do not believe the many bankruptcy myths you may have heard. It is still possible to file for bankruptcy and receive a partial or complete discharge of your debts.

We will review your financial situation and recommend an appropriate course of action for you. These include Chapter 7 bankruptcy and Chapter 13 bankruptcy. If bankruptcy is not the right solution for you, we will tell you so.

Chapter 13 bankruptcy is ideal for people with a steady income who have assets they want to keep. Chapter 13 stops foreclosure and can allow you to keep your house, sometimes eliminating second mortgages. Your debts are reduced or eliminated, and you develop an affordable payment plan for your remaining debts.

Chapter 7 bankruptcy can almost completely eliminate unsecured debts such as credit card debts, medical bills and personal loans.

As soon as we file either type of bankruptcy, you will enjoy an automatic stay to foreclosure actions, repossession and wage garnishment.

You Can Keep Your Property

Our firm will work to maximize your debt relief, while allowing you to keep as much of your property as possible. This includes your vehicles, bank accounts, retirement accounts and personal property.

Regain Control of Your Life

Financial solvency and a better future may be just a phone call away.

Take the first step — call us toll free at 415-992-7196.

Free Consultation — Call Today

Serving clients throughout the entire Bay Area including:

  • Daly City
  • South San Francisco
  • Pacifica
  • San Bruno
  • Oakland
  • Berkeley
  • Richmond
  • Marin
  • And More

Contact us for a free initial consultation with a lawyer at the Bankruptcy Center of John D. Raymond in San Francisco, California.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.