THE LAW OFFICES OF
of America Award
For Consultation Call 909.395.0909
204 N. San Antonio Ave.
Ontario, CA 91762
Are you living paycheck to paycheck? Are you behind in your mortgage payments? Do you have more debt than you can handle? Are creditors harassing you? Are they are calling you day and night at home and work, sending intimidating letters, and threatening you with legal action? If so, Ontario Bankruptcy Lawyer Robert J. Spitz can help you!
Contact the Law Offices of Bankruptcy Attorney Robert Spitz at (909) 395-
A dedicated and knowledgeable Bankruptcy Lawyer, Mr. Spitz will thoroughly review your financial situation. He will work closely with you to determine the most beneficial solution based on your unique circumstances.
Helping clients in Ontario and throughout the region for more than 40 years, our primary goal is to help you obtain debt relief and alleviate the stress you are presently enduring.
There are numerous reasons that people find themselves facing bankruptcy, including a job loss, unexpected medical bills, reduced pay, and large credit card debt.
Chapter 13 Bankruptcy is designed to help individuals and families who have moderate to substantial assets and a regular source of income save their homes from foreclosure or reorganize their debts so that they can begin to make more manageable payments.
Chapter 13 Bankruptcy is primarily a debt reorganization plan, allowing individuals to repay any arrears on their mortgage and pay their credit card and other debts over an extended time period, generally ranging anywhere from three to five years. If all payments are made on a timely basis according to the plan schedule, the remaining balances on your unsecured debt, such as credit cards, are discharged.
Are you upside down on your 1st mortgage and have a 2nd mortgage? We may be able to reduce your debt by stripping off your second deed of trust and have it cancelled by the Trustee.
As with Chapter 7 Bankruptcy, when the Bankruptcy Petition is filed with the Court, a Bankruptcy Trustee will be assigned to your case and immediately stop your creditors from all collection activities.
Within 15 days of filing the Bankruptcy Petition, Mr. Spitz will prepare and submit to the Trustee a Schedule of Assets & Debts as well as a proposed repayment plan that ensures those classified as “priority creditors” are paid in full, while unsecured creditors receive less than full payment.
Upon approval of your plan, affordable monthly payments must be made to the Bankruptcy Trustee. These payments will be deemed sufficient payment in satisfaction of all your debts.
A First Meeting of Creditors hearing will be held approximately one month after the Chapter 13 Bankruptcy Petition has been filed. If the trustee determines that the repayment plan is satisfactory and the plan is not opposed by creditors, the trustee will recommend approval of your plan with the Bankruptcy Court Judge.
If any objections to the proposed repayment plan are raised, the court will hold a hearing to determine approval. If the plan is reasonable, it will be approved over the objections of creditors. You may also amend your plan before the hearing for approval by either the trustee or the creditor.
Once the judge confirms the repayment schedule and after all payments owed under the plan are made in a timely manner, your case and the remaining unsecured debts will be discharged by the Bankruptcy Court.
Due to the highly complex nature of this process, it is vital that you contact a skilled Chapter 13 Bankruptcy Lawyer.
If you are under extreme financial pressure and need information about filing for Chapter 13 Bankruptcy Reorganization, please complete the Bankruptcy Case Evaluation Form. We will review all of your information and contact you to obtain additional information and schedule your free, confidential in-
For immediate assistance, contact us at (909) 395-
We want to help you and your family! Call today to learn how the Law Offices of Robert J. Spitz can resolve your financial stress and help you achieve financial freedom!