A Chapter 13 bankruptcy attorney will help you file a repayment plan to your creditors so that you can keep your property and have your debts discharged. Contact a Chapter 13 bankruptcy lawyer to see if you are qualified to file for bankruptcy. Your attorney will tell you whether your secured debts (such as a mortgage or car loan) and unsecured debts (such as a medical or credit card bill) meet the amount of debt eligible to file.
If you owe money but need time to repay it, you may require the services of a Chapter 13 bankruptcy attorney. In a Chapter 13 bankruptcy, the court appoints a trustee to help you straighten out your finances (sometimes called a financial reorganization). Unlike a Chapter 7 bankruptcy, you are required to file a plan to pay off the money owed over a three-to-five-year period under the bankruptcy court's supervision. If you file Chapter 13 bankruptcy, then both the courts and the creditors you owe will closely monitor your financial transactions, and an experienced Chapter 13 bankruptcy attorney can help both debtors and creditors navigate the process.
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