Your obligation prior to filing is limited to $500
We want to make sure that money does not stay in the way of getting your case filed. Your obligation prior to filing is limited to $500 and this includes both attorney and court filing fees as well as a credit report download. Everything else is paid through your Chapter 13 Plan after you are safely under the protection of the bankruptcy code. Each of our Chapter 13 attorneys has been practicing for well over a decade. We enjoy an A+ rating from the BBB.
Free Help Cleaning Up Your Credit After Your Bankruptcy is Done
About two years ago, we finally realized that our clients were not filing bankruptcy in order to eliminate debt but to really get back in the financial mainstream. We decided at that time to really take a holistic approach to bankruptcy. We realized our clients don’t just want to stop the financial bleeding, they want to participate economically just like anyone else. To that end, we hired a company to help all our clients with lessons and materials to help them really achieve a meaningful fresh start. This service is offered at no additional charge.
To protect assets that might be lost in a Chapter 7 case because you have too much too much equity.
To pay non-dischargeable debts (most often taxes and child support) through a Chapter 13 Plan as opposed to what the creditor might demand.
To prevent a foreclosure on a home, or a repossession of a car or other secured property
To obtain a discharge of certain debts that are not dischargeable in Chapter 7.
To consolidate debts and pay as much as possible over the term of the Chapter 13 Plan without interference from creditors.
To “rewrite” auto loans when the value of the vehicle is less than the amount owed.
To obtain debt relief when a Chapter 7 case was filed within the past 8 years.
If your income is in excess of certain limits.
A meeting of creditors is held with the Chapter 13 Trustee about 30 days after filing. During that meeting, the Chapter 13 Trustee will ask some pretty simple questions about your situation in order to make sure that the proposed Chapter 13 Plan complies with legal requirements. As with Chapter 7, this hearing usually lasts about five minutes, and is usually not attended by any of your creditors.
I am consistently amazed by how long people hold out before they do file bankruptcy. Most of my clients endure abusive phone calls and make every payment they can toward debts that they have no hope of repaying for years on end before they finally decide to file bankruptcy. Many of them invest tens of hours trying to work out deals with their creditors only to be turned away again and again. In the midst of one of the worst economic downturns in American history, many of my clients still come in blaming themselves rather than the banks that changed the rules in the middle of the game. Still others come in after job loss, divorce or medical emergencies, blaming themselves, as if they could have somehow financially planned for disasters. I guess what I am trying to say is that the decision to file bankruptcy is not one that any of my clients have ever taken lightly or embraced with open arms.