Michael Anthony Cox

Chapter 13 Bankruptcy allows you to reorganize and eliminate debt when Chapter 7 isn’t an option. A Chapter 13 enables you to retain assets that you would lose in Chapter 7 and gives you the ability to get back a repossessed car or to reinstate a mortgage and prevent a foreclosure. Like Chapter 7, Chapter 13 stops harassing creditor calls, lawsuits, garnishments, foreclosures, repossessions, utility shut-offs, and evictions.Often Chapter 13 is the only option available to higher wage-earners.

Chapter 7 Bankruptcy is the most common type of bankruptcy filing. Chapter 7 Bankruptcy can provide you a fresh start–it will eliminate debt, stop harassing creditors calls, and end lawsuits for bills you can’t pay. It prevents or stops lawsuits, garnishments, utility shut-offs, as well as foreclosures and evictions.

For some people, bankruptcy may not be the best option. In some circumstances, clients may be better served through a settlement of their outstanding debt. Our team can assist in obtaining favorable settlement outcomes.

A significant part of our practice is devoted to stopping foreclosure sales and representing clients in need of foreclosure defense, foreclosure mediation, and mortgage modification or reinstatement. We routinely stop foreclosures and reinstate mortgages with Chapter 13 filings. You also may be able to stop your foreclosure sale with a Chapter 7 that will provide relief from most of your debts while providing time for you to request a mortgage modification that could bring your loan current