Call on our Mesa bankruptcy lawyers to see if Chapter 13 is right for you.
When you meet with our Mesa bankruptcy attorneys, you'll have the opportunity to talk about every detail of your current situation. You may express your concerns and discuss your worries. Our Mesa bankruptcy lawyers encourage this in-depth discussion because it provides them with all the information they may need to explain the options that should serve your financial and personal needs.
If you're wondering about filing a Chapter 13, our Mesa bankruptcy lawyers may explain that such a move is appropriate if you have a job or some other source of regular income. If you choose this option, our Mesa bankruptcy lawyers may be able to use Chapter 13 to liquidate the majority of your debts and then help you set up a reasonable repayment plan for the remaining money you would still owe.
The bankruptcy lawyers who sponsor Total Bankruptcy have extensive experience in Chapter 13 cases. They have the knowledge, background and experience needed to present your case.
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A Chapter 13 case begins with the preparation and filing of your bankruptcy petition. In your petition, you are required to list certain personal information about yourself, your spouse, and your family, and you must set forth all of your income, your property (assets), your expenses, and all debts (liabilities). Additionally, you must select the specific exemptions to which you are entitled.
Shortly after you file your petition, the bankruptcy court clerk should send a notice of your bankruptcy case to all of the creditors listed in your petition. After that, your case will be assigned to a bankruptcy trustee, who will review your case. The bankruptcy court will also issue an Automatic Stay order. This order prohibits your creditors from collecting their debts from you, from repossessing your car or other property, and from starting or continuing any legal actions against you.
Your repayment is the most important part of your case
Your repayment plan is an agreement between you and your creditors in which your creditors agree to forgive a portion of your debts to them in exchange for your commitment to repay your reduced debts over time. Most plans require you to make monthly payments to a trustee -- a federal official who is appointed by the court to oversee your case -- who in turn makes distributions to your creditors. Typically, your repayment plan will last from three to five years. While you are making payments under a repayment plan, your creditors shouldn't take any collection actions against you, and they are required by law to abide by the terms of your repayment plan.
If you would like to know more about Chapter 13 and your other legal options, simply dial our toll free number, 1-877-349-1309. You may also fill out our secure online case evaluation form with a few details about your situation. All information is kept strictly confidential. One of our experienced professionals should contact you to schedule a free, no-obligation consultation.
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The purpose of this web site is to help you learn everything you need to know about bankruptcy, the process, your bankruptcy attorney and your legal rights. The best place to start is with the U.S. Bankruptcy Code. It delivers protection to people in financial jeopardy who are suffering under mountains of debt. Bankruptcy is your legal right.