Westgate Law bankruptcy attorney Justin Harelik has announced that his firm will begin focusing on Chapter 13 bankruptcy cases. There has been a significant increase in the number of people who are filing for Chapter 13 bankruptcy, which is a very complicated legal procedure, and Westgate Law is in a unique position to help those people.
"We have seen a major increase in the number of Chapter 13 cases we filed over the past year," says Justin Harelik. "We have extensive experience with Chapter 13 bankruptcies, and we felt now was the time to focus on Chapter 13. We find it very rewarding to help people through this process and get them back to a point where they once again have financial freedom."
Chapter 13 bankruptcy is a type of bankruptcy generally used by people who earn an income that is too high to allow them to qualify for regular bankruptcy. In many cases, these people have fallen into arrears with their mortgage and car payments. In most cases, a Chapter 13 runs over a period of three to five years. In the process, a trustee is appointed by the courts, for instance someone from Westgate Law, and payments are made to this trustee, who then distributes the payment to the person's creditors.
It is incredibly important to work with a qualified bankruptcy attorney when filing Chapter 13. This is particularly true for people who are self-employed. In most cases, a Chapter 13 will require the same monthly payment to be made for the entire period. Yet, when someone is self-employed, their income often fluctuates. As a result, frequent payment adjustments may need to be made.
"When I represent someone in a Chapter 13 case," adds Harelik, "I ensure that I have regular and consistent communication with my client. My goal is to make sure that people are able to get through this process and keep their house and vehicle, and this is only possible if they are represented properly."
During a Chapter 13, most of a person's disposable income will go into the plan. This means that people will have to go through a significant period of scarcity where, after they have paid their bills and general living expenses, there is usually very little left for other things. This means that it can sometimes be very difficult to make ends meet. This is also why it is so important to work closely together with an attorney. If ever unexpected expenses arise, they must be met properly and on time.
For further information about Chapter 13 bankruptcy plans, Westgate Law or how their new bankruptcy attorney can help, please visit http://westgatelaw.com/ or use the contact details below.
CONTACT DETAILS:
Westgate Law
Justin Harelik - 800-891-1995 - justin@westgatelaw.com
15760 Ventura Blvd.
Suite 880
Encino, CA 91436
