Chapter 13 Bankruptcy

(949) 222-1041

Chapter 13 Reorganization Plans

Chapter 13 bankruptcy involves debt reorganization. With our knowledge and experience with Chapter 13 bankruptcy law, we use the information our clients provide us to propose a payment plan, which can get mortgage, car payment arrears and other debts caught up and pay anywhere from 1 percent to 100 percent of the amounts owing to credit card, medical bills and other unsecured creditors.

Clients who typically choose this type of debt relief have fallen behind on their mortgage, car payments, income taxes, or other obligations. Or they may not qualify for Chapter 7 relief. They want to keep their property, but need additional time to catch up. Chapter 13 provides a means of paying tax and other non-dischargeable debt over time, often without interest or penalties.

The law firm of Heston & Heston has extensive experience helping clients obtain debt relief through bankruptcy and other alternatives. We are located in Irvine and Riverside, and our Chapter 13 bankruptcy attorneys represent clients throughout Orange, Los Angeles, Riverside, and San Bernardino Counties.

Under a Chapter 13 plan, payments are made to a bankruptcy trustee who will make payments to your creditors in accordance with a payment plan which we will prepare for you. After successfully making payments for the required time period, ranging from three to five years, the remaining debt in the plan is generally discharged. Discharged debts include:

  • Credit card debt
  • Medical bills
  • Some car loans
  • Income tax debt under certain circumstances
  • Second or third mortgages through lien stripping

Our Process

Before we file a bankruptcy petition, we evaluate our clients' complete situations and discuss all possible options, including Chapter 7, Chapter 13 and non-bankruptcy alternatives. We work with married couples and individuals, those encountering bankruptcy and divorce or family law issues and those with small businesses.

At our initial client meeting, we review each client's particular financial situation and discuss their bankruptcy and non-bankruptcy options. At that time we will make our recommendations and go over the requirements and process involved with both Chapter 7 and Chapter 13 bankruptcy and any other options the client should consider. At our initial conference, we generally are able to quote a fee which is competitive with fees quoted by attorneys with substantially less experience and expertise in the field. We do accept payment plans from our clients.

We use our experience and extensive knowledge of bankruptcy laws and procedures to seek the most beneficial results for clients. Two of the lawyers here are Certified Bankruptcy Specialists who each have more than 37 years of practice experience.

Heston & Heston specializes primarily in debt relief through Chapter 7 and Chapter 13 Bankruptcies. 


Our firm has extensive experience and expertise in bankruptcy, having two Certified Bankruptcy Law Specialists, and we can assist most individuals, married couples and businesses with their financial problems through Chapters 7 and 13.

Client Review

Richard and his team were extremely helpful throughout the BK process. Richard Heston answered all of my many questions and was generous with his time. His staff is well organized, which made a difficult process relatively simple. My bankruptcy was due to a business failure. Heston & Heston helped me understand the personal and business issues both pre and post bankruptcy.