Chapter 13 · San Fernando
Chapter 13 Attorney for San Fernando Homeowners and Families
San Fernando 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: $674,700
- Stop a foreclosure or repossession
- Catch up over 3 to 5 years
- Meet in Beverly Hills or by video
Saving a home in San Fernando
About 61.6% of homes in San Fernando are lived in by their owners, and the median owner-occupied home is valued at $674,700. 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.
San Fernando homes have a median value of about $675,000. Families who fell behind after a job loss or illness can spread missed mortgage payments over the plan.
How long a San Fernando Chapter 13 plan runs
Because half of San Fernando households earn less than $83,024, 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 San Fernando is $1,748 a month. A year of that rent equals about 25% 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 San Fernando 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 San Fernando 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 protects San Fernando homes held by several generations, where equity may be higher than the exemption covers.
Where a San Fernando Chapter 13 case is heard
Bankruptcy cases from San Fernando are assigned to the San Fernando Valley Division of the U.S. Bankruptcy Court, Central District of California, at 21041 Burbank Boulevard in Woodland Hills.
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 San Fernando may be the faster path. See bankruptcy attorney for San Fernando for both options, or read our main Chapter 13 bankruptcy page.
Chapter 13 questions from San Fernando
Can Chapter 13 stop a foreclosure on my San Fernando 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 San Fernando 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 $675,000 in San Fernando, many owners can protect their equity either way, so we compare both chapters.
What if my parents' name is still on my San Fernando home?
If your parents' name is still on your San Fernando home, title matters in bankruptcy. Bring the deed to your consultation so we can see who owns what before filing.
Free consultation
Protect your San Fernando 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.