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Law Office of Alec Harshey

Consumer, Small Business Bankruptcy and Real Estate Attorneys
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Understanding The Differences Between Chapter 7 And Chapter 13 Bankruptcy

Filing for bankruptcy is not an easy decision to make. In fact, many people are often confused as to the differences between Chapter 7 and 13 bankruptcy. That is why at the California Law Office of Alec Harshey, we strive to keep our clients fully informed in making any bankruptcy decisions. We are dedicated to serving all of our clients’ best interests and offer extensive bankruptcy experience to each case.

Helping You Understand Your Bankruptcy Options

Our legal team is directed by attorney Alec Harshey, who has successfully filed thousands of bankruptcies. He can evaluate your particular financial situation efficiently and effectively to determine which type of bankruptcy you may be eligible to pursue. Contact one of our Hemet, California, bankruptcy lawyers today to discuss your financial future and whether bankruptcy is the right option for you.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is commonly known as “debt liquidation” or “straight” bankruptcy. This type of bankruptcy allows individuals to discharge unsecured debt such as credit card and medical bills. However, only qualified individuals under a bankruptcy means test can file for Chapter 7. In addition to providing the benefit of discharging debt, Chapter 7 places an “automatic stay” on legal actions such as judgments, garnishments, liens, foreclosure and creditor harassment. While not everyone qualifies for Chapter 7, it can provide a fresh financial start for those who need it.

Chapter 13 Bankruptcy

Individuals who do not qualify under Chapter 7 bankruptcy often look toward Chapter 13 bankruptcy instead as an option. Similar to Chapter 7 bankruptcy, Chapter 13 also places an automatic stay on creditors. However, unlike Chapter 7, Chapter 13 bankruptcy is more of a “debt reorganization” bankruptcy. An individual is able to restructure debt under a payment plan, usually with a three-to-five-year duration. Chapter 13 is a better option for those who need financial help but still have a steady stream of income for a payment plan.

Contact Our California Bankruptcy Law Firm

For more information about Chapter 7 or Chapter 13 bankruptcy, please schedule a consultation with one of our dedicated filing bankruptcy attorneys. We are available at 877-824-8147, or you can send us an email.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.


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Office Location
901 South State Street
Suite 400
Hemet, CA 92543

Phone: 877-824-8147
Map and Directions

1111 Tahquitz Canyon Way East
Suite 121
Palm Springs, CA 92262

Map and Directions