Chapter 13 Bankruptcy Attorney

Chapter 13 Bankruptcy Attorney in Birmingham, Alabama

If you are struggling to get out of debt, Chapter 13 bankruptcy may be a responsible option for you. Unlike Chapter 7 bankruptcy, which wipes away most of your debts, Chapter 13 allows you to restructure your debts and repay all or most of them within 3 - 5 years.

Chapter 13 bankruptcy is a good option for people who have a great deal of equity in their homes. Filing for Chapter 13 bankruptcy can allow you to keep your home while you work to pay off any past-due mortgage payments, interest and penalties.

Many families struggle with the stigma of bankruptcy. Needing debt relief does not make you a bad person, and neither does filing for bankruptcy. Bankruptcy protection is designed to help hard-working people like you make a fresh start.

If you are dealing with creditor harassment, filing bankruptcy stops it immediately. As soon as you file for bankruptcy, creditors and collection agencies are prohibited from contacting you, except through your lawyer. In fact, all collection actions — including wage garnishment, repossessions and foreclosure — are stopped during the bankruptcy.

For help through this difficult time, call me, Attorney Joseph A. Ingram in Birmingham, Alabama. I offer a free initial consultation, and I will meet with you one-on-one so you can get your questions answered in a confidential setting. Contact me online or call at 205-335-2640 for an appointment.

Chapter 13 Debt Repayment Plans

When you come in for your free consultation, I will work with you to consider factors such as your income, the amount of your debts, and how much equity you have in your home. I can then tell you if filing Chapter 13 bankruptcy is likely to benefit you.

Part of the Chapter 13 bankruptcy process is to propose a repayment plan, which is based on your ability to pay. If the court approves it, you will make regular monthly payments on your car, home, and other debts.

After you have made all the payments you agreed to, all of your remaining qualified debt is wiped away. That means that any debt that was included in your original bankruptcy plan is legally considered paid.

You Deserve a Fresh Start

Contact my Birmingham law office online or call 205-335-2640 for a free initial consultation. I can help you decide if Chapter 13 or Chapter 7 bankruptcy