When filing a Chapter 13 bankruptcy the individual can eliminate credit card, medical, car and tax debt without having all their assets liquidated. Chapter 13 filings can make since if your income is consistent and you have assets that might be liquidated under a Chapter 7 case and you would like to hold onto those assets.

Basically a Chapter 13 is a debt payment plan for individuals.  Chapter 13’s can allow one to keep their major assets, such as cars and homes while providing a way to pay off their debts.  The Bankruptcy court will help structure a plan that works for you, given your income and debt level and provides a payment back to those holding the debt.

If it becomes clear that a bankruptcy is needed our firm will carefully go over your entire financial picture and show you whether a Chapter 13 or Chapter 7 would be in your interests to make sure you receive the best possible outcome.

Our firm seeks to provide competent and caring service in this difficult time.  We endeavor to keep our fees low and can work out payments plans for our legal fee’s.  We try to be as flexible with our clients as possible.