Chapter 13 Bankruptcy Attorneys

Chapter 13 Bankruptcy Overview

Individuals with incomes who are unable to meet their debt obligations may be able to file for Chapter 13 Bankruptcy. This will allow them to keep their property while simultaneously satisfying their debts. Under a Chapter 13 Bankruptcy, a repayment plan is created that provides for the repayment of debt over several years with the ultimate goal of becoming debt free. This repayment plan, unlike under a Chapter 7 or “liquidation Bankruptcy,” allows for a person to retain their property upon case completion.

Why It's Important to Hire a Chapter 13 Bankruptcy Attorney

Chapter 13 Bankruptcy Attorneys focus their practices on this specialized area of the law. These lawyers are familiar with the Bankruptcy process and courts, and can help ensure the best possible outcome of your case. Chapter 13 Bankruptcy Lawyers are able to:

• Stop creditor harassment
• Halt a home foreclosure thereby allowing you to stay in your home while your debts are worked out
• Negotiate with your creditors
• Determine whether Chapter 13 Bankruptcy is right for you

Because the Bankruptcy process is complex, it’s strongly advised you speak with an experienced attorney about your particular case. During your initial consultation, make sure to ask your prospective attorney how many Chapter 13 cases he or she has handled previously. If the answer isn’t to your satisfaction, it’s OK to leave the office and seek alternative representation.

During your initial consultation with a Chapter 13 Bankruptcy Attorney make sure to bring copies of your financial statements, bank account records, recent pay stubs, evidence of creditor harassment, copies of your debt balances, and anything else related to your finances. This will help your lawyer assess whether Bankruptcy, or perhaps a Bankruptcy alternative is right for you.

Frequently Asked Questions

• Do I need an attorney to file for Chapter 13 Bankruptcy?
  While an attorney is not required to file for Chapter 13 Bankruptcy, it is strongly encouraged that you retain a qualified bankruptcy lawyer to help you through the process. A lawyer will be there … more
• How will a lawyer help with my Chapter 13 Bankruptcy?
  A skilled Chapter 13 bankruptcy lawyer will be able to help you: Determine whether a Chapter 13 Bankruptcy is right for your specific financial situation; Understand the pros and cons of filing a … more
• How much does a Chapter 13 Bankruptcy Attorney cost?
  A Chapter 13 Bankruptcy Attorney’s fees vary depending on many factors including your geographical location and complexity of your case. Chapter 13 bankruptcy lawyers’ fees include the … more
• Will my Chapter 13 Bankruptcy case be stronger if I use a lawyer?
  Simply put, yes. Chapter 13 Bankruptcy laws are complex and one wrong move could mean the difference between a successful case and one that is not. Chapter 13 cases deal with repayment plans, … more

Legal Articles

• Top 5 Qualities to Look for in a Chapter 13 Bankruptcy Lawyer
  If you are considering a bankruptcy, your first move should be to find the right Chapter 13 Bankruptcy Lawyer for you. With so many attorneys offering bankruptcy services, it’s important to look for the following five qualities: 1) Free Consultation Attorneys helping people out with their financial problems will often offer a free consultation. However, don’t go into a free … more
• How Does a Chapter 13 Bankruptcy Attorney Help Me Keep My Assets?
  One of the main concerns individuals have regarding their Chapter 13 Bankruptcy filing is whether they will be able to keep any of their assets upon the conclusion of their case. Your assets can be anything from your home to your car.  When individuals fail to make payments such as credit card or mortgage payments, they are at risk of having their property repossessed by creditors. When … more

Top Related Chapter 13 Bankruptcy Topics

• Chapter 13 Trustee
• Filing Chapter 13