Chapter 13 Attorney in La Jolla, California
If unable to file a Chapter 7 bankruptcy, you, more likely than not, will be eligible for Chapter 13 bankruptcy protection. An experienced bankruptcy lawyer can provide you with an assessment of your situation and how you file for Chapter 13.
Attorney Darvy Mack Cohan has years of experience representing the rights of individuals and families in bankruptcy court. From his La Jolla office, Mr. Cohan meets with clients to determine their needs and how his firm's services can best be tailored to suit the clients' needs and situations. He is a knowledgeable advocate, taking the time to explain all aspects of bankruptcy to his clients to help them make informed decisions about their cases. Contact Mr. Cohan's office at (858) 459-4432 today to schedule an appointment to discuss Chapter 13 and Chapter 7 bankruptcy matters.
What is Chapter 13?
Much like a Chapter 7, a Chapter 13 bankruptcy is a way of protecting yourself while attempting to deal with the debt that has accumulated. However, Chapter 13 is a debt repayment plan, allowing you to keep your home and other important secured assets while repaying your unsecured creditors a portion of the debts. In exchange for having to pay some of your unsecured debts, you are allowed to keep assets that you may have to surrender in a Chapter 7.
Foreclosure
Under a Chapter 13 filing, it may be possible to avoid or stop a foreclosure. Attorney Cohan can explain to you how a Chapter 13 protects your assets and allows you to keep your home. Properly used, a Chapter 13 can save a home from foreclosure, though saving the home can never be guaranteed.
- If you have fallen behind in your mortgage payments, a Chapter 13 may be used to repay those missed payments within your Chapter 13 plan, allowing you some 'breathing room' to keep the rest of your payments current and cure your arrears.
- Chapter 13 also help stop debt collection efforts on the part of your creditors. After you file, and Automatic Stay' goes into force, preventing any creditors from contacting you. All collection activity must go through attorney Cohan, and most of your payments will be made under your Chapter 13 Plan to the Bankruptcy Trustee. To further discuss how to stop creditor harassment, get in touch with Attorney Cohan and schedule an appointment.
For more information and guidance on Chapter 13 bankruptcy issues, contact the La Jolla, California, office of Darvy Mack Cohan today. Attorney Cohan is highly regarded by both former clients and other lawyers, as he has received an AV rating* from his peers under Martindale-Hubbell's peer review rating service.
Darvy Mack Cohan
7855 Ivanhoe Avenue, Suite 400
La Jolla, CA 92037-3669
Phone: (858) 459-4432
Fax: (858) 454-3548
Email
Martindale-Hubbell is the facilitator of a peer review rating process. Ratings reflect the confidential opinions of members of the Bar and the judiciary. Martindale-Hubbell ratings fall into two categories - legal ability and general ethical standards.
Darvy Mack Cohan provides high-quality legal representation to individual, business and commercial clients in San Diego County, Orange County, Los Angeles County, Riverside County, San Bernardino County and Ventura County, including those southern California communities of San Diego, La Jolla, Del Mar, Rancho Santa Fe, Encinitas, Solana Beach, Oceanside, Vista, Rancho Bernardo, Poway, Ramona, La Mesa, El Cajon, Chula Vista, San Clemente, Irvine, Santa Ana, Los Angeles, Long Beach, Burbank, Woodland Hills, Riverside, Palm Springs and Palm Desert.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.