If an individual files for a chapter 13 bankruptcy, they can eliminate medical, car, credit card and tax debt while still possessing most of their assets. People who qualify for Chapter 13’s have a consistent income and have assets they want to hold on to that might be liquidated under a Chapter 7 case.

A Chapter 13 is essentially a payment plan for individuals to pay off their debt. It allows the debtor to keep his or her major assets- such as a car or home- while still giving them an opportunity to pay their debts off. The Bankruptcy court will look at your income and amount of debt you owe, and then help structure a payment plan that will work for you.

If a bankruptcy is the best choice, our firm will carefully go over all of the financial aspects and help you determine whether a Chapter 7 or Chapter 13 would be best for you so that you have the greatest outcome possible.

Our firm strives to provide our clients with competent and caring service. We aim to keep our fees low. If it is necessary, we will work out payment plans for legal fees and we will try to be as flexible as possible with our clients.