Chapter 13 Bankruptcy

Can Chapter 13 Bankruptcy Help Clear Your Debt?

When you’re deeply in debt climbing your way out seems impossible. You want to pay back what you owe, but mounting financial pressures and the cost of ordinary living make paying off debts seem a faraway dream. Chapter 13 bankruptcy could be the extra boost you need to start paying back debts and restore your good credit. It is sometimes referred to an income earners plan as it enables you to develop a strategy to pay your debts while preserving your assets. The payment period could be between three to five years. We will guide you through the entire case to ease your financial hardship.

The Serna Law Firm takes pride in helping individuals file for Chapter 13 bankruptcy and establish viable repayment plans for debts. As a qualified bankruptcy attorney and Chapter 13 attorney, Steven A. Serna, Esq. has helped numerous debtors recover from their debt and return to living financially healthy lives.

We’ll help you with all the particulars and paperwork involved in establishing Chapter 13, including:

  • Analysis of your debt and priority of your creditors
  • Determination of eligibility and likelihood of successfully completing your plan
  • Verification of all income and assets including their exemptions
  • Preparation of petition, schedules, Chapter 13 Plan and other necessary forms
  • Representation at hearings to negotiate a payment plan with your creditors and the Standing Trustee

Beyond guiding you through the Chapter 13 process, the Serna Law Firm will instruct you as to the best course of action. Chapter 13 isn’t for everyone, and there are numerous factors to consider. No matter your financial situation, you can always trust Mr. Serna to provide detailed legal counseling with affordable payment plans.

Relieve your anguish over your suffocating debts and give yourself the opportunity for a fresh start!

To schedule a free consultation, please call Mr. Serna today!