Chapter 13 Bankruptcy allows individuals to shelter their property, stop foreclosures, save their home or auto, reorganize and reduce their debt, all under the bankruptcy court’s protection.
No More Harassment
As soon as I file your case I immediately stop nearly all creditor actions and harassments including foreclosures, lawsuits, and garnishments.
Let me tell you how I can advocate for you in Chapter 13
Reorganize Your Debts
A Chapter 13 Bankruptcy acts like a great interest free debt consolidation where I ensure you get to keep your assets and pay some or all of your debt over the course of up to five years. In the majority of cases my clients pay almost nothing toward their unsecured debts such as credit card, medical, personal guarantees, signature loans, most money judgments and many taxes.
If you owe certain back taxes that cannot be wiped-out; some IRS, Sales Tax, Real Estate Tax, as well as back Child Support and Alimony, I can arrange for these to be paid over 3 to 5 years.
Save Your Home
Through your Chapter 13 I can often remove a second mortgage. I can force a bank to mediate your mortgage for a reduction. I will also remove most judgment liens that may be impairing the title to your home.
If you are behind on your house payments, I will secure for you the opportunity to stop any foreclosure proceedings and catch up on your mortgage payments over five years. If you no longer want to keep your home I can arrange for you to owe nothing or next to nothing by turning the mortgage to an unsecured debt, which you pay at a very large discount.
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The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. We are a debt relief agency. We help people file for bankruptcy under the United States Bankruptcy Code.