Determined California Bankruptcy Lawyers Help You Get Back on Your Feet

Compassionate Irvine attorneys offer Chapter 13 counsel

At Sadeghi & Associates in Irvine, California, we have been helping clients navigate the Chapter 13 bankruptcy process since 2005. Chapter 13 bankruptcy allows you to reorganize your debts and work with your creditors to pay an agreed-upon amount over a period of time. Also called “wage earners” bankruptcy, it addresses both secured debts, such as mortgage and car loans, and unsecured debts, such as medical bills and credit card debt. The principal advantage of this form of bankruptcy is that it saves your home from foreclosure. Our knowledgeable lawyers can help you take the first step toward a brighter financial future.

Determining whether you are eligible for Chapter 13 bankruptcy

To be eligible for Chapter 13 bankruptcy, you must be able to demonstrate that you have sufficient income, after subtracting certain allowed expenses and required payments on secured debts, to meet the obligations of your proposed payment plan. You must have no more than $1,257,850 in secured debts (such as mortgages and liens) and no more than $419,275 in unsecured debts (such as credit cards and personal loans). We can look at your specific situation to help you determine if Chapter 13 is right for you.

Establishing a repayment plan

A Chapter 13 bankruptcy requires the debtor to propose a repayment plan to creditors for installments that will be paid over a period of three to five years, depending on the circumstances. We can make sure your plan meets all the requirements of the law and help you obtain the Chapter 13 discharge after your final payment. Once the obligations are discharged, the creditors involved in your plan can no longer try to collect them.  

Lowering Debt Payments

With a Chapter 13 bankruptcy, you can reduce the principal balance of certain secured debts to the value of the underlying property in a process known as cramdown, which removes the lien and so prevents foreclosure. Most Chapter 13 filers end up having the vast majority of their unsecured debt discharged. We can show you how to proceed to reduce your financial burden and lower your monthly payments.

Contact a California lawyer today for a free Chapter 13 consultation

For Chapter 13 bankruptcy help, work with Sadeghi & Associates in Irvine, California. Call us at 949-668-1367 or contact us online for a free consultation. 

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Our Office

  • Irvine Office


    47 Discovery
    Suite 200
    Irvine, California 92618



  • Riverside Office


    11801 Pierce Street
    Suite 200
    Riverside, California 92505



  • Anaheim Office


    135 South State College Blvd
    Suite 200
    Anaheim, California 90212



  • Newport Beach Office


    895 Dove St, 3rd floor
    Suite 300
    Newport, California 90212



  • Beverly Hills Office


    9465 Wilshire Boulevard
    Suite 300
    Beverly Hills, California 90212




  • February 22, 2019

    5 Star Attorney!

    I hired Sidney to defend me against a former tenant. This after initially hiring a different attorney , who wasn't making any progress. Just a few days after coming aboard , she brought the case to a very satisfactory conclusion ! Not only was a impressed with the result , but Sidney tried to keep my costs as low as possible! My go-to attorney!

  • February 14, 2019

    Excellent Attorney!

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  • December 18, 2018

    Most proficient and competent lawyer I have come across.

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  • December 10, 2018

    One of the best!!

    She is an awesome attorney. Sidney made the whole process painless and is on top of everything. She handled my case in a very professional matter. Her outstanding skills are proven by fighting tooth and nail for me.

  • December 10, 2018

    Batting 1000 on at least 5 cases!

    Sidney has been our corporate attorney handling all contracts as well as litigation matters for over 10 years. In those years, she has given our company invaluable advice in hundreds of situations, reviewed 50 or more contracts and has drafted dozens of agreements for us.

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  • December 30, 2015


    I hired Sidney without any reservations , after a thoroughly professional consultation. Not only did I find her to be brilliant strategically , but extremely honest as well . And she kept me informed every step of the way . Sidney care's about her client's, while also trying to keep costs down. She got my case settled in quick time! My new go-to attorney!

  • July 14, 2015

    Very honest, smart. Best lawyer I have ever had!

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    Happy CLient ..

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  • January 31, 2009


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