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Chapter 13 Bankruptcy Integrity & Commitment To Client Service

Roseville Chapter 13 Bankruptcy Lawyers

What Should You Know About Chapter 13 Bankruptcy?

Especially for homeowners with second mortgages that are underwater, Chapter 13 bankruptcy may be the right answer for dealing with overwhelming debt. Ask for a free bankruptcy consultation with a lawyer at Cecil Cianci Law, PC, in Roseville, California.

Call (916) 675-3866 for a free bankruptcy consultation with an attorney.

Chapter 13 bankruptcy is an opportunity to reorganize debt.

Chapter 7 bankruptcy liquidates debt to pay creditors as much as possible and give the debtor a fresh start. In contrast, no assets are sold (and all debts are liquidated) in the vast majority of Chapter 13 cases. Talk to an experienced Roseville bankruptcy attorney about your debts and assets to determine if a Chapter 13 bankruptcy is for you.

What Should I Know About Chapter 13 Bankruptcy?

In contrast to Chapter 7 bankruptcy, which allows debtors to sell assets to repay creditors, Chapter 13 bankruptcy is about debt reorganization — a chance to set up a payment plan to pay back debts over 3-5 years. This can be an excellent choice if your debts are not dischargeable, such as recent income taxes.

  • Are you facing large arrearages in your home mortgage?
    • Chapter 13 bankruptcy can give you the time you need to pay back past due home mortgage payments. Talk to a bankruptcy lawyer about negotiating a 5-year payback plan for the arrearages. Chapter 13 bankruptcy can give you the time you need to get your finances back on track. Additionally, if your home is underwater, you may be able to discharge and strip off the second lien on your home.
  • Do you owe back taxes to the IRS?
    • You cannot discharge some back taxes in bankruptcy, but you can negotiate for an end to the penalties and interest while you pay back your tax debt over a defined period of time. If interest and penalties keep piling up, there may be no end in sight for your tax debt. Talk to your attorney about stopping the interest and penalties and starting to pay back your debt.

Know the possibilities. Contact an experienced bankruptcy attorney.

With Cecil Cianci Law, PC, your first consultation is free. Our Roseville bankruptcy lawyers can help you get started on your road to financial freedom and a fresh start today by contacting us online, or giving us a call at (916) 675-3866.

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

Client Success Stories

  • Jaime B.

    Sensitive to needs with my children, my time and my dollars

  • Lauren S.

    Helped me feel safe, important and always had my back

  • Jamey S.

    I've never met an attorney I felt I could trust like Melissa

  • Krishna V.

    Takes time to discuss the case and answers all my questions patiently and calmly

  • Stacy O.

    She will ensure that you're taken care of

  • Ryann D.

    Has your best interest at heart and cares

  • Alyssa R.

    A seamless process thanks to Melissa and the team of attorneys and support staff

  • Dana A.

    Extremely knowledgeable, organized and professional!

  • Amber B.

    A truly personal and professional attorney

  • Scott R.

    Could not be happier with the help they offered me through a tough time

  • Eric R.

    I felt cared for and protected

  • Tami M.

    Made both sides feel extremely comfortable with the agreement and outcome

  • Gary B.

    Does her "homework" to best represent her client

What Makes Us Different? 

  • Big Firm Experience, Small Firm Approach
  • Unique Approach & Personalized Strategy For Every Case
  • Helping You Maintain Your Way of Life After Divorce
  • Educate Our Clients So They Can Make Informed Decisions
  • Transparent Representation Based on Honesty & Integrity
  • Nearly Five Decades of Combined Experience

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