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Chapter 13

If you are facing foreclosure because you are behind in payments or your “Loan Modification” did not go through, you can have the protection of a Chapter 13 bankruptcy.

Chapter 13 may be a way for you to save your home and also eliminate all unsecured (credit card debt, medical bills, lawsuits or even TAXES), so give us a call and schedule your free initial consultation.

Chapter 13 is also known as “reorganization” or “consolidation. Chapter 13 can help give you some breathing room in your finances, it will stop the harassing phone calls, bank levies, wages garnishment, eviction process, you name it. It will also stop the eviction process (temporarily) and the foreclosure of your house (permanently if you get confirmed); it will stop your creditors from collecting their debts for those debts that are covered by your discharge.

With a Chapter 13 petition will can eliminate debts that cannot be eliminated through a Chapter 7 and can also eliminate the second loan against your house if your equity is negative. Give us a call; we also have some appraisers to help us determine the value of your property.

We will run a credit report, at no cost to you, before filing your bankruptcy; so we can make sure that all your debts are included and nobody is left behind.

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