Chapter 13

In a Chapter 13, your debt payments are consolidated into one manageable monthly payment to be repaid over a 3 to 5 year period of time.  Chapter 13 bankruptcy allows those facing foreclosure, repossession or tax debt to catch up the payments and still keep all of their assets. You also pay off your car loans and unsecured debts at lower interest rates with no late fees.  Within 3-5 years, your car will be paid off, your debt will be repaid or discharged, and your mortgage will be caught up allowing you to move forward without the burden of overwhelming debt.

Possible Chapter 13 benefits include:
  • Canceling second mortgages and liens on your home
  • Stopping home foreclosure proceedings including sheriff sales
  • Catching up mortgage payments
  • Keeping your vehicle and stopping repossession actions
  • Repaying back taxes and stopping tax collection activities
  • Stopping harassing phone calls and letters
  • Stopping wage and bank garnishments
Chapter 13 bankruptcy is for people who have a steady income but who are having trouble keeping up with their monthly bills.  There are many things to consider in choosing the right course of action to obtain the debt relief you need. I will use my years of experience to walk you through the entire bankruptcy process and give you all of the information you need to choose the debt relief solution that best fits your situation.  If Chapter 13 is for you, I will work with you to develop a budget and repayment plan that is fair, affordable, and realistic.

Call me today at 513- 792-9600 or fill out the contact form to set up your free no obligation consultation.