This is the most common type of bankruptcy. It is meant for debtors whose income is below the median income in their state compared to households of the same number of persons. This type of bankruptcy can only be filed once in 8 years. This type of case usually results in the elimination of most or all unsecured debts. Debts where collateral is pledged (secured debts) the debtor decides whether to keep or surrender the collateral. If it is kept, debtor keeps making the payments

25 years

This is the most common type of bankruptcy. It is meant for debtors whose income is below the median income in their state compared to households of the same number of persons. This type of bankruptcy can only be filed once in 8 years. This type of case usually results in the elimination of most or all unsecured debts. Debts where collateral is pledged (secured debts) the debtor decides whether to keep or surrender the collateral. If it is kept, debtor keeps making the payments

25 years

This type of bankruptcy requires a 3 to 5 year repayment plan that must be approved by the court. It is often used to stop a foreclosure and allow the borrower time to catch up the arrearages through a regular plan payment spread over the years of the plan. Sometimes it can be used to remove a second mortgage or to allow secured debts to be paid back the value of the collateral rather than the contract balance. Ch 13 is used also when the debtor's income is too high to qualify for a chapter 7

25 years

Consumer rights suits against persons or businesses or government entities that violate clients' rights. Sometimes I serve clients by defending them when they are being sued by an aggrieved party.

25 years

Sometimes I can assist a homeowner to negotiate the sale or surrender of a piece of mortgaged real estate without having to file bankrupcy or have a foreclosure judgment on their record.

25 years