A Fresh Start on a Debt-Free Life Begin the Chapter 13 Process with Our Help
A Way to Avoid Foreclosure
Filing Chapter 13 bankruptcy can stop foreclosure proceedings and allow you to keep your house. You may even be able to cure delinquent mortgage payments over time.
Reschedule Secured Debts
If you have secured debts for which you have put up collateral, you can reschedule them and extend them over the life of your Chapter 13 plan. This rescheduling process can often lower your payments.
No Direct Contact with Creditors
Those who qualify for Chapter 13 often make enough money to repay their debts, but do not have liquid assets to meet demands for immediate payment. Chapter 13 acts as a consolidation loan, allowing you to make payments to a trustee rather than dealing directly with creditors.