Chapter 13 · Pasadena, California
Chapter 13 Attorney for Pasadena, California Homeowners and Families
Pasadena homeowners near the Rose Bowl and in older neighborhoods have built real equity. 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: $1,093,300
- Stop a foreclosure or repossession
- Catch up over 3 to 5 years
- Meet in Beverly Hills or by video
Saving a home in Pasadena, California
About 42.5% of homes in Pasadena, California are lived in by their owners, and the median owner-occupied home is valued at $1,093,300. 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 homes in Pasadena worth more than $1 million on average, many owners have equity above the homestead exemption. Chapter 13 protects that equity and stops a foreclosure sale.
How long a Pasadena, California Chapter 13 plan runs
Because half of Pasadena, California households earn less than $105,192, 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 Pasadena, California is $2,265 a month. A year of that rent equals about 26% 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 Pasadena, 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 Pasadena, California at $1,093,300, 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 helps Pasadena residents with a second mortgage or a HELOC they cannot keep up with.
Where a Pasadena, California Chapter 13 case is heard
Bankruptcy cases from Pasadena, 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 Pasadena, California may be the faster path. See bankruptcy attorney for Pasadena, California for both options, or read our main Chapter 13 bankruptcy page.
Chapter 13 questions from Pasadena, California
Can Chapter 13 stop a foreclosure on my Pasadena, 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 Pasadena, 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 Pasadena, California, where many homes are worth more than the homestead exemption protects.
Can Chapter 13 stop a foreclosure on my Pasadena home?
Yes, Chapter 13 can stop a foreclosure on your Pasadena home if it is filed before the sale. You then catch up on the missed payments over the plan.
Free consultation
Protect your Pasadena, 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.