California Chapter 13 Payment Calculator
California Chapter 13 Payment Calculator - Chapter 7 & Chapter 13 bankruptcy attorneys. Free consultation. Call (818) 514-7680.
California Bankruptcy Legal Services
Chapter 7 liquidation, Chapter 13 repayment plans, Chapter 11 business reorganization, and creditor rights representation. We help California residents and businesses navigate debt relief options, protect exempt assets, stop wage garnishments, and get a fresh financial start.
Free bankruptcy consultation: (818) 514-7680.
Fees, Costs and Case Results
Where representation is offered on a contingency basis there is no attorney fee unless we recover, and the firm advances case costs — filing fees, expert witnesses and medical records — which are then repaid out of any recovery. If there is no recovery, you owe no attorney fee. The specific terms that apply to a matter are set out in the written fee agreement for that matter.
Where this site refers to a verdict, settlement or court order, that result was dependent on the facts of that case, and results will differ if based on different facts. Past results do not predict or guarantee the outcome of any other matter, and no particular outcome is promised or guaranteed.
Frequently Asked Questions
- How are Chapter 13 payments calculated?
- Chapter 13 payments are based on your disposable income (gross income minus allowed expenses). You pay this amount monthly for 3-5 years. The plan must pay priority debts in full, secured debts per contract (or as modified), and unsecured creditors receive whatever remains - often pennies on the dollar.
- Can I afford Chapter 13 if I have no disposable income?
- If you have no disposable income after allowed expenses, Chapter 13 may not be feasible. However, California's generous exemptions under Chapter 7 might better protect your assets. Some debtors create disposable income by surrendering property or modifying secured debt payments through the plan.
- What's the difference between 36-month and 60-month plans?
- If your household income is below California's median, you can choose a 3-year (36-month) plan. Above-median debtors must commit to 5 years (60 months). Longer plans pay more total to unsecured creditors but have lower monthly payments. The court may require 5 years even for below-median debtors if needed to pay secured/priority debts.
- What debts must be paid in full?
- Priority debts (recent taxes, child support arrears, bankruptcy filing fees) must be paid 100% through the plan. Secured debts (mortgage, car loans) must be paid per contract or as modified by the plan. Unsecured creditors (credit cards, medical bills) receive the remainder - often just a percentage.
- Can I modify my Chapter 13 payment later?
- Yes. You can request plan modification if your financial circumstances change (job loss, medical emergency, income increase). The court must approve modifications. You can also convert to Chapter 7 if eligible, or dismiss the case entirely, though this has consequences.
Contact Trembach Law Firm
Trembach Law Firm, APC
27001 Agoura Road, Suite 350, Calabasas, CA 91301
Phone: (818) 514-7680
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