Chapter 13 Bankruptcy Attorney Serving Corpus Christi, McAllen, Brownsville and Harlingen

About Chapter 13 Bankruptcy

After the laws for filing bankruptcy were changed in 2005, many individuals believed that hardly anyone could qualify for a bankruptcy any more.  This is far from true.  Bankruptcy law still allows for you to be able to obtain relief from your debt when faced with overwhelming obligations you are having difficulty in repaying.

In order to make the right choice for what type of filing you should do in your financial situation, you should first seek the qualified counsel of a Texas bankruptcy lawyer.  Under Chapter 13 a debtor is given the ability to liquidate assets and set up a debt repayment plan that best suits the debtor. This can give you the relief you need from high credit bills and other debt.  Filing for bankruptcy will also immediately require that all of your creditors stop collection activities, including collection calls, repossessions, lawsuits, wage garnishments, even foreclosures.  This will allow you and your attorney to work together to determine an effective repayment Plan for your Chapter 13 filing.

In most cases, filing Chapter 13 will allow you to consolidate debts, thereby reducing your total monthly debt expenses based upon the Chapter 13 Bankruptcy "Plan":  Some debts that can be included are:

• Past due property taxes
• IRS debt owed (may be wiped away depending how old it is)
• Credit card debt
• Mortgage Arrears or Home Equity (amount you are behind on your mortgage or home equity loan due to missed payments or escrow shortages)
• Your entire automobile payments (not only are we usually able to lower your monthly car payments and possibly interest, but we may be able to get you title to your automobile once the VALUE is paid, not what is owed - depending on when you purchased the automobile
• Department store debt
• Pay day loan, lines of credit, etc.
• Medical Bills      
• Debt obligations ordered by a Marital Agreement subject to a Divorce
• Child Support arrears
• Student loans (will stop a wage garnishment and pay all or some of the student loan debt during the length of the Plan but any student loan debt not paid through the Plan will survive the bankruptcy, with accumulated interest)
• Most other types of debts

A Chapter 13 bankruptcy provides you with much greater relief from debt than attempting to do any other type of debt handlings such as debt negotiation, settlement, or credit consolidation.

The Malaise Law Firm Handling Chapter 13 Bankruptcy

The Malaise Law Firm has the experience and resources you need to effectively and quickly handle your debt situation so as to relieve you of the stress and worry you have been living under.  Serving the communities of Corpus Christi, McAllen, Brownsville, and Harlingen in South Texas, our bankruptcy lawyers have over 40 years combined experience in bankruptcy law.  Call now to schedule an appointment for a FREE Consultation with an experienced Chapter 13 bankruptcy attorney.

To discuss your Chapter 13 bankruptcy filing, contact the Malaise Law Firm , in South Texas.