Chapter 13 bankruptcy lets you reorganize your finances and allows you to set up a plan to pay some or all of your unsecured debts while keeping your assets, such as your home and car. If you are behind on your mortgage payments or already in foreclosure, this can give you the ability to catch up on your past due payments. Call today for your FREE consultation and find out if Chapter 13 is right for you. 973-675-5622
Filing a Chapter 13 bankruptcy stops most creditors from being able to contact you and collect money from you directly. Collections are stopped by an automatic stay when you file your bankruptcy case. Then you will establish a plan of repayment, make payments to the Chapter 13 Trustee, and the Trustee pays your creditors based on the terms of your plan.
Chapter 13 can also help people who can afford to pay some or all of their debts, but can't afford the minimum payments their creditors want. This can help with debts such as student loans. Chapter 13 bankruptcy may allow for some debts which can't be discharged under a Chapter 7 bankruptcy to be discharged. Call today to schedule your FREE consultation so you can make an informed decision. 973-675-5622
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7 Glenwood Avenue
East Orange, NJ 07017
416-418 Rahway Avenue
Elizabeth, NJ 07202
Don't let creditors harass you and debt control your life. Call for your FREE initial consultation today.