Chapter 13 Bankruptcy Lawyer Serving South Side

What is a Chapter 13 Bankruptcy?

Chapter 13 is the type of bankruptcy that is available for most people who have steady income.  The program is essentially a debt repayment plan that typically lasts from 3 to 5 years, and can be very helpful for people who are behind on a home and/or car payment, or who have other credit card or medical bills that they cannot pay.

In a Chapter 13 Bankruptcy, you make regular monthly payments to the Chapter 13 Bankruptcy Trustee who then distributes your payment to your creditors.  With the Bankruptcy Court’s approval, the bankruptcy attorneys at Glanzer & Associates, P.C. will devise a Chapter 13 Bankruptcy repayment plan that will get you out of debt.

Is your house in foreclosure or about to be?  Are you behind on your car payment and afraid of repossession?  A Chapter 13 Bankruptcy may help.  This type of bankruptcy may allow you to catch up on your mortgage and/or vehicle payments without the fear of foreclosure or repossession.  Also, depending on your income, expenses and the type of debt you have, a Chapter 13 Bankruptcy may significantly lower the amount of money you owe to your creditors. 

Additionally, it is possible that you may not be eligible to file a Chapter 7 because, for example, you make too much money or you received Chapter 7 Bankruptcy discharge within the past 8 years.  In that case, a Chapter 13 Bankruptcy may be the answer you are looking for.  Our experienced attorneys at Glanzer & Associates, P.C. will provide the answers you need to determine if a Chapter 13 Bankruptcy is right for you.

Like a Chapter 7 Bankruptcy, once a Chapter 13 Bankruptcy is filed, all creditor actions, including telephone calls and unexpected intrusions must stop.  This includes foreclosure actions, potential repossessions, lawsuits, garnishments, and all other collection activities.  Your creditors must go through the Bankruptcy Court to address their issues, not you!

For our clients who qualify, we will file your Chapter 13 Bankruptcy case before we collect any of our attorney’s fees.  The only out of pocket expense you may have to pay upfront is the $274.00 court filing fee.  Our attorney’s fee can be paid through your court approved repayment plan like the rest of your creditors.

Don’t put off your decision to handle your debt; call the skilled and experienced attorneys at Glanzer & Associates, P.C. to schedule your free in-person consultation today!

South Side Chapter 13 Bankruptcy Attorney

Some homeowners may be able to save their homes with a Chapter 13 Bankruptcy.  Upon meeting you and obtaining all of the information on your financial situation, a plan to protect your home may be possible.  Being provided these options will allow you to get back on a stable financial foundation so you can look forward to the future.  For a free initial consultation contact us today.

Contact a South Side Chapter 13 Bankruptcy Attorney from the Law Offices of Glanzer & Associates, P.C. when you are in need of knowledgeable legal representation for your financial situation.