Filing for a Chapter 13 Bankruptcy

Chapter 13 provides many clients the flexibility that a Chapter 7 cannot provide. For example, if you're behind on a house or vehicle payment, Chapter 13 can stop a foreclosure or repossession and allow you to catch up your payments over a 3 to 5 year period. When applying for bankruptcy you may be ineligible for a Chapter 7 because your income is too high, or you could lose some of your assets. None of your property is taken in a Chapter 13, and you can pay down debts that can't be wiped out in a Chapter 7, such as taxes, child support, and student loans.

The stress and anxiety that you may be dealing with can come to an end by filing for a Chapter 13 bankruptcy. After filing for bankruptcy, creditor harassment will halt, and you will no longer have to fear being sued or having your wages garnished.

Our Brownstown bankruptcy attorneys can help you determine whether bankruptcy is right for you and will walk you through each step of the process. If you're trying to find the best bankruptcy attorney for you, we encourage you to read more about why clients choose us and then to contact us for a free consultation to determine if we're the best fit for you. Our mission is to provide responsive, supportive legal services to our Michigan clients throughout the Downriver area.

Advantages of Chapter 13 Bankruptcy

By filing a Chapter 13 bankruptcy you will be able to accomplish everything you had hoped to accomplish with a Chapter 7 with some additional benefits:

  • Repayment of your consolidated debts over three, four, or five years (depending on your qualifications)
  • Avoiding foreclosure of your house and avoiding car repossession by getting caught up on your payments
  • Eliminating a second mortgage on a home if it is valued at less than the first mortgage
  • Wiping out interest and penalties on past-due taxes owed
  • There are no upfront attorney fees – the court pays our fees 

Request a Free Consultation with Our Downriver Bankruptcy Attorneys

If you would like more information or you would like to set up a free, no-obligation appointment with our experienced team of Chapter 13 bankruptcy attorneys, we welcome you to contact us online, by email or by phone. Our phones are staffed 24 hours a day for your convenience, and we offer flexible scheduling to meet your needs.

Attorneys:  Nicholas D. Chambers

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