Pay Back Your Debts Over Time
Experienced San Antonio Bankruptcy Lawyer
You're working but you can't seem to keep up or catch up. The bill collectors are getting more insistent, and the constant stress about money is causing other problems.
Chapter 13 bankruptcy provides a break from creditors and restructures your debts so you can pay them off over several years. It also provides a means to save your home from foreclosure if you are several months behind on the mortgage.
The law firm of Randolph N. Osherow, P.C. offers solid advice and experienced representation for Chapter 13 reorganization and repayment of debts. I have practiced as a bankruptcy attorney for 25 years, serving the hard-working people of San Antonio and Bexar County, Texas. Contact me today to discuss your options.
Chapter 13 Bankruptcy
If you do not qualify for a straight discharge of debts through Chapter 7 bankruptcy, a Chapter 13 filing still provides a great measure of financial and emotional relief. In Chapter 13, I negotiate a repayment plan, based on what you can afford to pay toward your debts after household expenses.
You will pay a set amount for 36 to 60 months. It is very important that your repayment plan be realistic. If you can't keep up with your Chapter 13, you will have to start over and face foreclosure and collection agencies again. Thus it is critical that you have an experienced attorney handling your case.
Keep Your Property and Get Creditors Off Your Back
You do not surrender any assets in a Chapter 13. As soon as we file your petition, creditor harassment must stop, including phone calls and actions to repossess or foreclose on your property. As long as you stay current on your mortgage and car payments, you are under Bankruptcy Court protection and those creditors cannot initiate or continue legal action.
Committed to Honoring Your Debts?
If you are eligible for Chapter 7 under the income means test, but your sense of pride or moral objections will not let you walk away from debts, Chapter 13 provides a solution. If you make all the scheduled payments in good faith, any remaining debt is forgiven by your creditors. You will begin to rebuild a solid credit rating and emerge from Chapter 13 bankruptcy without debt and your head held high.
See our Frequently Asked Questions or call my San Antonio office at 888-846-5141 to a arrange a free, confidential consultation. I will personally handle your case and can help you find accredited credit counseling to meet the pre-filing requirement.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
