Call or Text 951-200-3613 to request an Appointment with Murrieta and Temecula Bankruptcy Lawyer David Nelson Now
951-200-3613
Chapter 13 Bankruptcy Attorney in Temecula, California
Call or Text Mr Nelson at
951-200-3613
A Fresh Financial Start Without Losing Everything
If you’re behind on your mortgage, car payments, or credit cards but still have steady income, Chapter 13 bankruptcy may be the best way to regain control. It allows you to catch up on missed payments, stop foreclosure, and protect your assets while paying back what you can afford — not what creditors demand.
At Bankruptcy Man — Law Office of David Nelson:
We help clients throughout Temecula, Murrieta, and Riverside County use Chapter 13 to stop lawsuits, repossessions, and wage garnishments while rebuilding their financial future.
I cannot promise or Guarantee a Perfect Outcome, but I have helped thousands Discharge over a hundred million in Debts including Income Taxes and EIDL Loans
What Is Chapter 13 Bankruptcy?
Chapter 13 is often called a “wage earner’s plan.” Instead of wiping out debts right away (like Chapter 7), it sets up a court-approved payment plan lasting three to five years.
You make one affordable monthly payment to a bankruptcy trustee, who distributes it to your creditors. When the plan is complete, most remaining unsecured debts — such as credit cards, personal loans, and medical bills — are discharged.
How Chapter 13 Helps You
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🏠 Stop Foreclosure: Chapter 13 lets you catch up on your mortgage arrears while keeping your home.
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🚗 Keep Your Car: Past-due auto payments can be included in your plan, stopping repossession.
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💳 Lower Payments: Credit card and medical debt balances can be greatly reduced or eliminated.
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⚖️ Combine All Debts Into One Payment: Simplify your finances with a single monthly plan payment. Basically a Debt Consolidation Plan, but with the power of the US Government forcing your creditors to play along even the IRS and Past Due Support. This is not you hoping that they will accept a consolidation plan.
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🔒 Protect Co-Signers: In many cases, Chapter 13 shields co-debtors from collection.
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⏸️ Stop Lawsuits and Wage Garnishments: The automatic stay immediately stops most collection actions.
Chapter 7 Bankruptcy
Also called: “Straight bankruptcy” or “liquidation”
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✅ Fast relief: Most cases finish in about 3–4 months.
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✅ Discharges most unsecured debts: Credit cards, medical bills, and personal loans.
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⚠️ Property limits: You can only keep certain assets under California exemptions.
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⚠️ Income test applies: You must qualify based on your household income, this is Called the Means Test
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💡 Best for: People with low income (or maybe a big family), few assets, and mostly unsecured debt.
Chapter 13 Bankruptcy
Also called: “Wage earner’s plan”
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✅ Keep your home and car: Catch up on missed payments while staying current.
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✅ One affordable monthly payment: Combine debts into a single 3–5 year repayment plan.
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✅ Stops foreclosure and repossession: Protects your assets while you pay over time.
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⚠️ Takes longer: The plan lasts 3–5 years before discharge.
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💡 Best for: Homeowners or people with steady income who want to save property and get back on track.
Who Qualifies for Chapter 13
You may qualify for Chapter 13 if:
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You have regular income (employment, self-employment, or retirement).
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Your debts fall below federal Chapter 13 limits.
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You can afford a small monthly payment toward your plan.
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Even if you were previously denied a Chapter 7 discharge or filed before, you may still be eligible for Chapter 13.
The Process Step by Step
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Free Consultation: We review your finances and discuss whether Chapter 13 fits your goals.
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File Your Case: Once filed, all collection efforts stop immediately.
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Propose a Plan: Together we create a repayment plan you can afford.
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Court Approval: After a brief confirmation hearing, your plan becomes official.
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Make Payments: You’ll make one monthly payment for 3–5 years.
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Discharge: Remaining eligible debts are wiped out, giving you a fresh start.
Life After Chapter 13
Completing your repayment plan allows you to rebuild credit, protect your home, and move forward with financial confidence. We’ll guide you through rebuilding credit responsibly so you can qualify for new financing, if needed, in the future.
Talk to a Temecula Chapter 13 Bankruptcy Lawyer Today
You don’t have to face your creditors alone. The Law Office of David Nelson is here to help you design a Chapter 13 plan that protects your property and gets you back on track.
📍 28910 Rancho California Road, Ste 104, Temecula, CA 92590
📞 (951) 200-3613
🌐 www.BankruptcyMan.net
Service Areas
I proudly serve clients throughout:
Temecula • Murrieta • Menifee • Lake Elsinore • Wildomar • Hemet • Riverside • Inland Empire. If you live in Southern California and need help with overwhelming debt, I’m here to help.