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Chapter 13 Bankruptcy

Birmingham Chapter 13 Bankruptcy Attorney

Guiding You Towards a Brighter Financial Future

No one ever wants to file for bankruptcy. That said, when one is overwhelmed by a vast sum of debt and cannot keep up with the payments, bankruptcy is often the key to resolving this issue. Unlike a Chapter 7 bankruptcy, a Chapter 13 bankruptcy allows debtors to hold onto valuable nonexempt property that might otherwise be lost. At Ingram Law, LLC, our attorney will provide the advice you need to make the right decision for your future.

Get started on restoring your credit score and contact us today at (205) 335-2640 to set up a consultation with our knowledgeable bankruptcy attorney in Birmingham.

How Does a Chapter 13 Bankruptcy Work?

A Chapter 13 bankruptcy is frequently referred to as a wage earner’s bankruptcy since debtors who file for this have enough disposable income to pay off some of their debts. Generally, if you are filing for this form of bankruptcy, it means your biggest issue is handling the demands of your creditors rather than a lack of income. Thankfully, when you file for a Chapter 13 bankruptcy, it will put a stop to phone calls and letters from your creditors, giving you some much-needed peace.

Although you will pay off much of your debts in a restructured payment plan, which will last for three to five years, some will take more priority than others.

Your debts will likely be separated into three categories:

  • Priority debts: Debts like back taxes and spousal support must be paid off throughout the course of your repayment plan and will take priority above all other debts you owe.
  • Secured debts: Your home mortgage or car loan are considered secured debts and, depending on the circumstances of these loans, you might also be required to repay the full amount of it.
  • Unsecured debts: These debts, which include credit card bills and unpaid medical expenses, typically receive the lowest priority. If they are not paid in full by the end of your repayment plan, they will ultimately be discharged.

How Long Will a Chapter 13 Bankruptcy Stay on My Credit Report?

One of the biggest concerns for those considering bankruptcy is the length of time it will remain on their credit report. A Chapter 13 bankruptcy will take 7 years before it disappears from your credit report, compared to a Chapter 7, which takes 10 years. However, regardless of the type of bankruptcy you choose to file for, you can begin rebuilding your credit immediately. Keep in mind, you are more likely to restore your financial health through bankruptcy than you are by continuing to struggle with your debts, so it is well worth it in the grand scheme of things.

Schedule a Consultation with an Experienced Bankruptcy Attorney

Choosing to file for bankruptcy is a big decision, but it is not as scary as you might think. At Ingram Law, LLC, our Birmingham bankruptcy attorney can help you decide if this is the best move for you and guide you through every step of the process to ensure you are able to achieve the bright financial future you deserve.

Contact our law office today to discuss your case and get started on restoring your financial health.

Get to Know Your Attorney

Learn More About Joe Ingram

Birmingham Criminal Defense Attorney Mr. Ingram is a native of Birmingham, Alabama. After earning his Bachelor’s Degree from Samford University, he worked for Alabama Power in Corporate Accounting. Mr. Ingram earned his law degree from Birmingham School of Law in 2002. While attending law school, Mr. Ingram worked as a law clerk in the Office of District Attorney for the Tenth Judicial Circuit in Jefferson County, Alabama. He has also served as an Assistant District Attorney in Baldwin County.

    Proven Track Record

    Hear From Our Satisfied Clients
      "He was very communicative about any and every question I had or any updates he had for me."
      I definitely would use him again if the need arises for me.
      - David
      "A wonderful attorney"
      Mr . Ingram is a very knowledgeable attorney and understanding. He worked out a wonderful deal.
      - Angela Jackson
      "Absolutely Great!"
      Mr. Ingram deals with complicated cases and makes you feels at ease with a resolution. He looks out for your best interest. Honest and empathetic to your needs.
      - Anonymous
      "Definitely a great attorney !"
      I had a issue that I needed an attorney to help me with. Mr. Ingram was the man to call upon. He answered my calls day and night. I would definitely recommend him!
      - Joe
      "Excellent, Just Plain Excellent"
      Joe Ingram was the perfect attorney my wife and I needed as we faced being deposed in our ex-son-in-law’s child custody litigation. His broad experience made it easy for him to walk us through the process, provide guidance on answering questions, and counsel us on the preparation of requested documents. As a result, my wife and I confidently entered the deposition with little or no trepidation. Really, I cannot say enough nice things about him. I just know that if I ever need an attorney or legal advice in the future, he’ll be the one I call first.
      - Edgar Smith, USAF Retired
      "Gets the Job Done"
      Thankful I chose to work with Joseph Ingram. He knows the law, made my case a priority and got the job done. Very Competent and trustworthy. I would 100% recommend Joeseph Ingram and work with him again.
      - GClark Johnson
      If you ever find yourself in need of an exceptional lawyer that goes above and beyond Joe Ingram is that person. I personally found myself calling Joe on weekends, day, night, it did not make any difference. He always made himself available. Joe worked diligently for two years on my husband’s case and through it all kept us calm with continuously assurance “it’s going to be okay”. His case did come out much better than either of us could have imagined. I cannot begin to express my gratitude and appreciation to Joe.
      - Ms. Franklin
      My first meeting with Joe I felt as if I could trust him completely. I had a thousand questions and he patiently explained in an understandable way to me the answers. Joe took on my case. I was continually kept in the loop of the progress and of any issues along the way. Joe is an amazing attorney and a super nice person. I would highly recommend Joe if you ever need the best. Thank You Joe K. Franklin
      - Ken

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