Chapter 13 · Montebello
Chapter 13 Attorney for Montebello Homeowners and Families
Montebello homeowners who fall behind can use Chapter 13 to stop a sale and catch up. 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: $697,900
- Stop a foreclosure or repossession
- Catch up over 3 to 5 years
- Meet in Beverly Hills or by video
Saving a home in Montebello
About 45.9% of homes in Montebello are lived in by their owners, and the median owner-occupied home is valued at $697,900. California's homestead exemption protects a large share of that equity. Owners who have paid their mortgage down a lot should still have us run the numbers before choosing a chapter. 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.
Montebello homes have a median value of about $698,000. If a job loss or illness put you behind, Chapter 13 stops the foreclosure and spreads the missed payments over the plan.
How long a Montebello Chapter 13 plan runs
Because half of Montebello households earn less than $79,971, many filers here are below the state median for their household size. Below-median filers can often use a 3-year plan instead of 5.
Your plan payment is based on your income after reasonable costs. Median rent in Montebello is $1,827 a month. A year of that rent equals about 27% 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 Montebello 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 pass the means test but need more time. Many Montebello filers qualify for Chapter 7, yet choose Chapter 13 to catch up on a house or car they want to keep.
- You need to keep a car. Some older car loans can be cut to the car's value.
Chapter 13 also helps Montebello families keep a car they need and pay back taxes over time.
Where a Montebello Chapter 13 case is heard
Bankruptcy cases from Montebello 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 Montebello may be the faster path. See bankruptcy attorney for Montebello for both options, or read our main Chapter 13 bankruptcy page.
Chapter 13 questions from Montebello
Can Chapter 13 stop a foreclosure on my Montebello 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 Montebello 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. With a median home value near $698,000 in Montebello, many owners can protect their equity either way, so we compare both chapters.
How fast can Chapter 13 stop a Montebello foreclosure sale?
Chapter 13 stops a Montebello foreclosure sale the moment it is filed. If the sale is days away, we can file an emergency case and finish the paperwork after.
Free consultation
Protect your Montebello 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.