Bankruptcy Chapter 13

Bankruptcy Chapter 13

A Chapter 13 Bankruptcy is sometimes referred to as “wage-earner bankruptcy” is a form of debt adjustment or repayment plan where the debtor will pay back some of the debts over a period of three to five years. Typically, a debtor will file for Chapter 13 bankruptcy if he or she does not pass the “means test” for Chapter 7 bankruptcy or if there is certain property he or she would like to keep. The changes to the Bankruptcy laws in 2005 were largely aimed to try and force more ordinary people into Chapter 13 repayment plans rather than getting the benefit of debt elimination through Chapter 7.

As in the case of Chapter 7 Bankruptcy, filing Chapter 13 bankruptcy will halt certain collection actions taken by creditors. For example, foreclosure of your home, garnishment of wages, repossession of personal property including autos or equipment. It will also stop harassment from creditors attempting to collect unpaid debts.

Attorney Dalyla Santos has the experience necessary to protect your assets and represent your interests during your Bankruptcy proceedings. She will evaluate your financial situation, debt and income to make sure that Chapter 13 is your best option. It is critical to have an experienced attorney by your side helping you make the best decision for you and your family. Bankruptcy can be a positive option and Attorney Dalyla Santos will guide you through every step of the filing process. Contact The Santos Law Offices, PA at 305-417-4111 for a free consultation to explore Chapter 13 Bankruptcy and other legal remedies available

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