Chapter 13 Bankruptcy

Filing for Chapter 13

What Is Chapter 13 Bankruptcy?

How We Can Help

When it comes to filing bankruptcy, having the right representation can make all the difference in the world. In most cases, trusting an experienced and professional bankruptcy lawyer will make the difference between losing your assets and keeping them, or between eliminating your debt and not eliminating your debt. In this case, trusting us to help you file Chapter 13 bankruptcy increases your chances of successfully negotiating with the court to allow you to keep your assets and repay your debts in a manageable way.

Over the years, we have earned a reputation with the court as being professional, knowledgeable, and efficient. We understand the bankruptcy process and we know how to effectively represent our clients in front of a judge. We will be with you every step of the way, so you can file bankruptcy with confidence and an assurance that you will come out the other side in a better place financially.

Chapter 13 bankruptcy is a unique form of bankruptcy that we have years of experience helping our clients file. Bankruptcy can be an intimidating process for people who have never experienced it before, but with the right help, even the most inexperienced people can file bankruptcy with confidence and success. When you trust us with your assets and allow us to help you through the bankruptcy process, we will not let you down. With over 15 years of experience helping clients successfully file Chapter 13 bankruptcy, we are confident that we will be able to help you reclaim your life and rid yourself of the debt that has burdened your life for so long.
In essence, Chapter 13 bankruptcy is a form of bankruptcy that allows you to repay your debts. When you file Chapter 13 bankruptcy, you will work with the court to determine a strict budget that you must follow in order to repay your debts while keeping your assets. The payment plan will allow you to make a monthly payment to repay your creditors. Additionally, it allows for some debts to be forgiven and eliminated entirely. Typically, Chapter 13 bankruptcy requires you to pay less than you would pay after filing Chapter 7 bankruptcy.

Chapter 13 bankruptcy offers many benefits that other forms of bankruptcy do not. Often called wage earner’s bankruptcy or reorganization bankruptcy, Chapter 13 bankruptcy is mostly used to help people pay off their debts in a more manageable way. It does not eliminate as much debt as Chapter 7 bankruptcy does, but unlike Chapter 7 bankruptcy, it allows the debtor to keep most of their assets. Some of the benefits that filing Chapter 13 bankruptcy can provide include:

*Stalling or stopping a foreclosure. If you file Chapter 13 bankruptcy before the trustee’s sale, the foreclosure process will stop until your case has been finished. It is possible that the foreclosure will stop forever and you will be given the opportunity to continue making regular mortgage payments and keep your house.

*Paying back overdue taxes. If you are behind on your taxes and still owe income taxes, your payment plan will include a way for you to repay your debts over time.

*Keeping your assets. Perhaps the most important benefit of Chapter 13 benefit is that it allows the debtor to keep their assets, including their house. Even if your home is being foreclosed, Chapter 13 bankruptcy enables you to stop the efforts and keep your home.

Call Us Today

When it comes to filing bankruptcy, having the right representation can make all the difference in the world. In most cases, trusting an experienced and professional bankruptcy lawyer will make the difference between losing your assets and keeping them, or between eliminating your debt and not eliminating your debt. In this case, trusting us to help you file Chapter 13 bankruptcy increases your chances of successfully negotiating with the court to allow you to keep your assets and repay your debts in a manageable way.

Over the years, we have earned a reputation with the court as being professional, knowledgeable, and efficient. We understand the bankruptcy process and we know how to effectively represent our clients in front of a judge. We will be with you every step of the way, so you can file bankruptcy with confidence and an assurance that you will come out the other side in a better place financially.