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CHAPTER 13Get Started Today!

Chapter 13

Protection from creditors granted to individuals who legally file for bankruptcy, providing for repayment of debts by a court-approved plan.

Chapter 13 allows you to have debt forgiven after 36-60 months of contributions to your creditors. Your contribution payment is usually equal to the amount you have leftover after paying your monthly necessities. Each Chapter 13 debtor has a different payment because each monthly budget is different. You are not normally required to pay 100 % back to your creditors. You pay creditors based upon what is available to you after reasonable monthly expenses.

Chapter 13 is Superior to Debt Settlement

Chapter 13 is superior to debt settlement options as the bankruptcy filing freezes legal action against you while debt settlement just delays the legal action. Chapter 13 does not result in taxable income from settled debt unlike Debt Settlement. Once your Chapter 13 plan is approved then creditors are required to accept payment on your vehicle, mortgage, credit cards and loans through your monthly contribution. Your payment is processed by the Chapter 13 Trustee to your creditors each month.

Once you complete your Chapter 13 you you debts are forgiven with the exception of student loans and some tax liability, while you vehicles are paid and mortgage will be current.

  • Chapter 13 can save money on high interest car loans and allow you to catch up and keep your home.

  • Chapter 13 is an option if you have filed a Chapter 7 in the recent past.

  • Chapter 13 available if you have too much income for the size of your family to file a Chapter 7.

  • Chapter 13 is useful if you have an asset to protect, or have a business that you want to keep open.

  • Chapter 13 fees are approved by the Court and paid thru the Chapter 13 as part of your monthly payment.

  • Stops Foreclosure and Sheriff Sales

  • Repay mortgage arrears and keep your home.

  • Repay property tax arrears and keep your home

  • Stop Repossession or Regain possession of a vehicle

  • Lower Vehicle payments on loans more than 2 1/2 years old

  • Pay Income Tax liability with manageable payments

  • Stops Foreclosure and Sheriff Sales

  • Repay mortgage arrears and keep your home.

  • Repay property tax arrears and keep your home

  • Stop Repossession or Regain possession of a vehicle

  • Lower Vehicle payments on loans more than 2 1/2 years old

  • Pay Income Tax liability with manageable payments

Contact Us Now

I am personally available throughout the day to take your call and promptly return calls and inquiries within the same day. We are open well into the evening to meet with you after work and on Saturdays if necessary. We make ourselves available to allow your case to be filed as fast as you can gather your documents to get started.