Chapter 13 · Manhattan Beach
Chapter 13 Attorney for Manhattan Beach Homeowners and Families
Manhattan Beach homes are worth $2 million or more on average, so protecting equity is usually the first goal. 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: $2,000,000+
- Stop a foreclosure or repossession
- Catch up over 3 to 5 years
- Meet in Beverly Hills or by video
Saving a home in Manhattan Beach
About 64.8% of homes in Manhattan Beach are lived in by their owners, and the median owner-occupied home is valued at $2,000,000 or more. 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.
When a home is worth that much, even a modest mortgage leaves equity far above the homestead exemption. Chapter 13 lets Manhattan Beach owners keep the house, stop a foreclosure and pay creditors over time.
How long a Manhattan Beach Chapter 13 plan runs
Because many Manhattan Beach 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 Manhattan Beach is $3,449 a month. A year of that rent equals about 20% 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 Manhattan Beach 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 Manhattan Beach at $2,000,000+, 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.
High-income Manhattan Beach filers often owe taxes too. Chapter 13 can bundle tax debt, credit cards and mortgage arrears into one plan.
Where a Manhattan Beach Chapter 13 case is heard
Bankruptcy cases from Manhattan Beach 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 Manhattan Beach may be the faster path. See bankruptcy attorney for Manhattan Beach for both options, or read our main Chapter 13 bankruptcy page.
Chapter 13 questions from Manhattan Beach
Can Chapter 13 stop a foreclosure on my Manhattan Beach 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 Manhattan Beach 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 Manhattan Beach, where many homes are worth more than the homestead exemption protects.
How large can a Chapter 13 payment be for a Manhattan Beach family?
A Chapter 13 payment for a Manhattan Beach family can be large if income is high, because it is based on what is left after reasonable costs. We estimate it before you decide.
Free consultation
Protect your Manhattan Beach 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.