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Review: “John Lacher is by far the most knowledgeable, professional lawyer who handled my bankruptcy with the utmost care. Years later, I had a question regarding this and he not only took my call, but assured me that it was hand...
Practice areas & skills: Chapter 13 Bankruptcy, Chapter 11 Bankruptcy, Chapter 7 Bankruptcy, Debt Settlement
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.