Winterbotham Parham Teeple is the most experienced debt relief law firm in Southern California. We have been serving clients in Palm Desert and throughout Southern California for over 30 years. There are two types of bankruptcy protection under the U.S. Bankruptcy Code, Chapter 7 and Chapter 13. Your bankruptcy lawyer will advise you about which is most applicable in your situation.

Chapter 7 bankruptcies are often advised for individuals with a large amount of debt in relation to income and living expenses. In these cases, it is difficult to make regular payments on your debts under chapter 13. Changes to Federal Law require a "means test" to qualify for this type of bankruptcy protection.

Chapter 13 bankruptcy is a debt adjustment plan that involves repaying creditors over a period of years. This is the best option for curing arrears and stopping foreclosure and in other situations. Chapter 13 offers other benefits, such as stopping auto repossession, protecting non exempt assets and cosigners and for individuals who have filed Chapter 7 within the previous 8 years. You can read more about the two types of bankruptcy on our website.

The best way to determine the best course of action in your situation is to consult with a qualified bankruptcy attorney. Our bankruptcy lawyers have the knowledge and techniques to provide bankruptcy information and ensure your rights are protected under Federal Law. We offer a free consultation for people in Palm Desert and surrounding areas. Please contact our office to schedule an appointment.