Chapter 13 Bankruptcy

We have all made mistakes.  When you're deeply in debt climbing your way out seems impossible. You want to pay back what you owe, but mounting financial pressures and the cost of ordinary living make paying off debts seem a far away dream. You have a good income, but you just can't make any headway and the thought of accumulation of saving for education for your children, or let alone, your retirement seems impossible.

In these cases Filing for Chapter 13 bankruptcy can be the extra boost you need to start paying back debts, restore your good credit, and build for your future.  Think of it as a 5 year reset that may set the course for future financial freedom.

So what exactly is a Chapter 13 bankruptcy.  It is best thought of as a payment plan with your creditors that is created with the protection of the bankruptcy court behind you.  You see, when you try to negotiate with your creditors they have all of the leverage, with a Chapter 13, the rules favor you.  It is not uncommon that a client finds that they can pay off all of the principal of their debt under a Chapter 13 plan and pay less per month then they are currently paying in just minimum payments. 

We take pride in helping individuals file for Chapter 13 bankruptcy and establish viable repayment plans for debts. We take even more pride in how we have helped numerous families recover from their debt, return to living financially healthy lives and look forward to the future with anticipation, not anxiety.

We'll help you with all the particulars and paperwork involved in establishing Chapter 13, including:

  • Analyzing your debt
  • Determine eligibility and gauge your income
  • Establish your property end exemptions
  • Complete and file all forms
  • Represent you at hearings and help negotiate a payment plan with creditors

Beyond guiding you through the Chapter 13 process, we will instruct you as to the best course of action. Chapter 13 isn't for everyone, and there are numerous factors to consider. No matter your situation, you can always trust us to provide honest legal counsel that helps with your debt.

Plus, the standard fee for a Chapter 13 is quite competitive at $3,500. Call today to schedule a consultation.