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Chapter 13 Bankruptcy

If you’re struggling with the sudden loss of income due to unemployment, disability, death of a spouse or divorce, we know how difficult it can be to continue to stay current on monthly payments. In many cases by the time you recover income, late payment fees and high interest rates make it very difficult to bring accounts up-to-date. Englett and Associates are experienced legal professionals in all facets of bankruptcy law and can help you explore every option for debt relief including Chapter 13 bankruptcy. Our attorneys have worked together since 1999 and have helped many clients just like you, restore financial balance to their lives once again. We’ll walk with you every step of the way to ensure you get the best possible advice and representation during this difficult time. Contact a Englett and Associates representative to see if Chapter 13 bankruptcy is right for you and your financial situation (855) 215-2280.

Why Choose To File Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is not for everyone, but there are a number of reasons it might be for you.

Under the median income and means test requirement for Chapter 7 bankruptcy, you may not qualify.
Filing Chapter 7 bankruptcy may require you to forfeit certain assets you might otherwise retain under a Chapter 13 filing.
You can participate in the court ordered loan modification mediation program with your mortgage lender.
Chapter 13 gives you the opportunity to bring mortgage payments current, thus avoiding a home foreclosure situation.
Tax debts can be addressed in the Chapter 13 and allow you more time to repay the IRS.

Explore The Debt Repayment Plan Right For You

Under a Chapter 13 bankruptcy you are essentially consolidating debt so that you can more easily manage payments to creditors. Some of the provisions included in a Chapter 13 bankruptcy include:

A plan to repay a percentage of unsecured debt such as medical bills, credit card debt, and judgments against you within a specified amount of time
The discharge of some unsecured debt once the repayment terms have been met
Your attorney will work with you to determine how much money you can afford to pay creditors and you will make one combined payment to the bankruptcy trustee. They in turn, will distribute monies accordingly to each of your creditors.

How You Benefit from a Chapter 13 Bankruptcy

As in the case of Chapter 7 bankruptcy, filing Chapter 13 bankruptcy will halt certain actions taken by creditors. These include:

Foreclosure of your home due to delinquent mortgage payments
Garnishment of wages
Repossession of personal property including autos or equipment
Harassment from creditors attempting to collect unpaid debt, and collection agencies

Chapter 13 Bankruptcy Attorney

Declaring bankruptcy is a major decision. You don’t have to make it alone. Protect yourself and your assets by talking to our experienced chapter 13 bankruptcy lawyers today. Call us at (855) 348-3613 or contact Englett and Associates online to set up your free, no obligation consultation. We offer affordable, flat fees and are ready to help you regain control of your finances once and for all.

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