Experiencing financial hardships can happen to anyone, even if you have a well-paying job. Unexpected expenses, medical bills, or changes in your circumstances can quickly make it hard to manage your debts. If you're in this situation, Chapter 13 bankruptcy might be a way to regain control. This option allows you to create a plan to repay your debts over time, making it easier for you to keep your home, car, and other important assets.
At Hands Law, we have years of experience handling Chapter 13 cases and have helped many people like you. We understand the process and are prepared to negotiate with your creditors on your behalf. This means you don't have to face the challenges alone. We aim to guide you through the process smoothly so you can focus on getting back on track.
Discuss whether Chapter 13 bankruptcy is the right choice for you by speaking with a knowledgeable attorney in Charlotte. Call (704) 459-7410 or contact us online today.
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Chapter 13 vs. Chapter 7 Bankruptcy: Which One Should You File?
Chapter 7, often called "liquidation bankruptcy," involves selling some of your assets to repay your debt. On the other hand, Chapter 13 is known as "reorganization bankruptcy." It lets you create a plan to repay your debts over time without giving up most of your important belongings. Chapter 13 might be a better option for some because it offers a way to keep assets and make debts more manageable.
Consider Chapter 13 if:
You have a steady income and can make regular payments.
You want to prevent foreclosure on your home.
You have nonexempt property you wish to keep.
You owe debts that can be restructured to provide more manageable repayments.
Your debts are primarily consumer debts.
Bankruptcy laws exist to help, not to shame anyone. They're designed to support you when times are tough and offer a fresh start. It's important to remember that these laws are tools to help people rebuild their financial future. Hands Law can help facilitate this process for you.
We provide legal support in both English and Spanish, ensuring clear communication and personalized representation for every client.
Dedicated Advocacy for Every Client
No matter the complexity of your case, we fight for your rights with tenacity, dedication, and professionalism.
Clear Communication, Reliable Results
We prioritize open, transparent communication to keep you informed and confident throughout your legal journey.
Proven Expertise, Compassionate Approach
With years of experience and a deep commitment to client well-being, we combine legal proficiency with a compassionate touch.
The Chapter 13 Bankruptcy Process
To proceed with Chapter 13, it's important to meet certain requirements and have someone knowledgeable to guide you through the steps. Typically, it takes three to five years to complete the process. At Hands Law, we aim to make this process as easy to understand and handle as possible.
We can assist with the Chapter 13 process by:
Assessing your financial situation - We'll help you review your income, expenses, and debts to understand your financial picture.
Creating a repayment plan - Together, we'll work out a plan that shows how you'll pay back your debts over time. This will need approval by the court.
Submitting the plan to the court - Once the plan is ready, it gets filed with the court. The court reviews it alongside your financial details.
Creditor meeting - This meeting, usually called a "341 meeting," allows creditors to review and discuss the plan with you, though typically they do not attend.
Plan confirmation - If the court agrees with the plan, you'll start making repayments based on its terms. The goal is to keep up with all payment duties as outlined.
After completing your repayment plan, the remaining eligible debts may be discharged, which means you're no longer responsible for paying them. This offers a chance to move forward with a cleaner financial slate. If Chapter 13 sounds like a potential solution for you, contact Hands Law to explore your options.
Request a consultation with a Charlotte Chapter 13 bankruptcy attorney now. Call (704) 459-7410 or contact us online to schedule an appointment.
