Chapter 13 Bankruptcy Attorney

Chapter 13 bankruptcy is a debt repayment plan that allows you to pay off your debts over a three-to-five year period. It can be a good option if you have already filed Chapter 7 within the past eight years, have too much income to file a Chapter 7 bankruptcy, if you have assets that you would lose by filing Chapter 7 bankruptcy, or if you have substantial debt that would not be discharged in a Chapter 7.

In addition, Chapter 13 bankruptcy can be invaluable in the following ways:

• Chapter 13 can stop foreclosures by allowing you to catch up your mortgage arrears through your debt repayment plan, and also allow you to catch up on past due property taxes and homeowner association dues.
• Chapter 13 can provide an opportunity to repay non-dischargeable tax debt without accruing interest and penalties, stopping IRS collections while you repay your taxes over a three-to-five year period.
• Chapter 13 can stop asset repossession. In addition, in the event your car was recently repossessed, we can often force the creditor to return the car and allow you to pay it off through a Chapter 13 bankruptcy.
• Filing Chapter 13 bankruptcy offers you the full protection of the U.S. Bankruptcy Court from adverse creditor actions such as creditor harassment, wage garnishment and bank account garnishment.

At Conley Law Practice, LLC, we offer a free initial consultation to explain how Chapter 13 bankruptcy works. Call 610-524-3200 or send us an email to arrange a free initial consultation with a Chapter 13 bankruptcy attorney today.