Winterbotham Parham Teeple is one of the most experienced bankruptcy law firms in Southern California. When facing bankruptcy, a qualified and experienced bankruptcy attorney is the best source of bankruptcy information. We have successfully represented clients in Temecula and surrounding areas in bankruptcy court for over 30 years. Since 1978, we have assisted over 95,000 clients.

Our law firm is a Designated Debt Relief Agency under Federal Law. We provide legal assistance to consumers seeking protection under United States Bankruptcy Code. This website includes a variety of bankruptcy information to educate consumers about the rights and remedies provided by Federal Law. Explore our website to learn more about our attorneys, current bankruptcy law and to find answers to commonly asked questions. Contact our office for a free consultation with a bankruptcy attorney.

Two types of bankruptcy protection are available to consumers under the U.S. Bankruptcy Code. Chapter 7 is intended for consumers without enough income to cover living expenses and debts. A "means test" is required to determine whether a case can proceed for Chapter 7 Bankruptcy. Your bankruptcy lawyer can fully explain the requirements under Chapter 7.

The second type of bankruptcy is Chapter 13. This is designed to offer debt relief for consumers with regular income that is not sufficient to make regular payments to creditors. Chapter 13 restructures debts, so debts can be paid off in installments. The plan usually lasts from three to five years, depending on the individual situation. There are several factors used to determine eligibility for protection under Chapter 13.