Chapter 13 · Culver City, California
Chapter 13 Attorney for Culver City, California Homeowners and Families
Culver City homes are worth well over $1 million on average, so owners have a lot to protect. Chapter 13 stops a foreclosure or repossession and lets you catch up over 3 to 5 years. Call (310) 362-9071 for a free consultation.
- Median owner home value: $1,142,900
- Stop a foreclosure or repossession
- Catch up over 3 to 5 years
- Meet in Beverly Hills or by video
Saving a home in Culver City, California
About 54.6% of homes in Culver City, California are lived in by their owners, and the median owner-occupied home is valued at $1,142,900. At those values, an owner with a small mortgage can have more equity than California's homestead exemption protects. When that is true, Chapter 7 could put the house at risk, and Chapter 13 is often the safer way to keep it. California's homestead exemption rises with inflation each year. In Los Angeles County, owners generally get the top amount, which is about $744,000 in 2026.
With that much value, many Culver City owners have more equity than the homestead exemption protects. Chapter 13 lets you keep the house and pay creditors over time, instead of risking a sale in Chapter 7.
How long a Culver City, California Chapter 13 plan runs
Because many Culver City, California households earn more than the state median for their size, a 5-year plan is common here. A longer plan can mean a lower monthly payment.
Your plan payment is based on your income after reasonable costs. Median rent in Culver City, California is $2,737 a month. A year of that rent equals about 28% of the city's median household income. Even so, a job loss or medical bill can push rent and other bills onto credit cards fast. Those housing costs count when we build your budget.
When Chapter 13 fits Culver City, California filers
- You are behind on a mortgage. Past-due payments are spread over the plan while the sale stays on hold. See stop foreclosure.
- You have more equity than the exemptions protect. With home values in Culver City, California at $1,142,900, this is common. Chapter 13 lets you keep the property and pay creditors over time.
- Your income is too high for Chapter 7. Chapter 13 has no income limit, stops collection and can wipe out what is left at the end.
- You need to keep a car. Some older car loans can be cut to the car's value.
Chapter 13 also fits Culver City filers whose income is above the state median but who need relief from credit cards, taxes or a car loan.
Where a Culver City, California Chapter 13 case is heard
Bankruptcy cases from Culver City, California are assigned to the Los Angeles Division of the U.S. Bankruptcy Court, Central District of California, at the Roybal Federal Building, 255 East Temple Street, downtown.
After filing, you make plan payments to the Chapter 13 trustee, and a judge confirms the plan at a hearing.
Related pages
If your debts are mostly credit cards and medical bills, a Chapter 7 attorney for Culver City, California may be the faster path. See bankruptcy attorney for Culver City, California for both options, or read our main Chapter 13 bankruptcy page.
Chapter 13 questions from Culver City, California
Can Chapter 13 stop a foreclosure on my Culver City, California home?
Yes, Chapter 13 can stop a foreclosure if it is filed before the sale. The missed payments are then paid over the plan while you keep making current payments.
Will I keep my Culver City, California home in Chapter 13?
Yes, you usually keep your home in Chapter 13 if you make the plan payments and stay current on the mortgage after filing. That matters in Culver City, California, where many homes are worth more than the homestead exemption protects.
Will I lose my Culver City home in bankruptcy?
You usually will not lose your Culver City home in Chapter 13, as long as you make the plan payments. In Chapter 7, high equity can put it at risk, so we check your equity first.
Free consultation
Protect your Culver City, California home or car
Call (310) 362-9071 or send the form. Have any sale date or notice ready.
Law Offices of John Asuncion9454 Wilshire Blvd., Penthouse Floor
Beverly Hills, CA 90212
(310) 362-9071
Monday to Friday, 9 a.m. to 6 p.m.