Chapter 13 Bankruptcy Lawyer-Guiding you Through Every Step

An individual is not eligible to file under chapter 13 if a bankruptcy petition was dismissed within 180 days prior because of the person who owed the debts failure to appear in court or the debtor didn’t heed to court orders, or when the case was dismissed voluntarily due to the creditor seeking relief from the court to recover a property that had liens. If you are not knowledgeable of chapter 13 bankruptcy laws and you wish to file a petition, hire a qualified chapter 13 bankruptcy lawyer who will make sure you meet all important deadlines, have appropriate papers, petitions, signatures, and more so you don’t waste time or money.

You will begin filing your petition with the bankruptcy court in your home district. When you file your petition, it must include certain liabilities, assets, expenditures, current income, unexpired leases and executor contracts. Also filed is a schedule of exempt assets. You can talk to your chapter 13 bankruptcy lawyer about where you can get your bankruptcy forms from and the payment amount you need for court fees, administrative and miscellaneous fees. Once the petition is filed the majority of legal action is classified as 'stayed' which gives a debtor that is behind on house payments the opportunity fix any defaults by bringing payments up-to-date. This means most creditors cannot continue or start lawsuits, make harassing phone calls for payment, or garnish wages. Talk to you lawyer and learn about your rights when filing a chapter 13 bankruptcy petition.

When you file a chapter 13 petition, a plan of repayment must accompany or must be added no later than fifteen days after filing. In all cases, a meeting with debtors is held usually 20-50 days following the filing of the petition. You will be required to attend the meeting with the creditors where questions may be asked concerning your financial situation and assets. I you hire a competent and professional attorney; he/she should will be there with you the entire time.

Every bankruptcy case is unique and requires a competent lawyer who is experience with every area of bankruptcy laws. Your lawyer may be able to help you with eliminating or decreasing interest rates on the money you owe in addition to negotiating with creditors in order to secured the best re-payment plan that will meet everyone’s needs. Through a free initial consultation, your chapter 13 bankruptcy lawyer can explain what they believe the best plan of action would be for your situation by going over your debts and assets. An experienced lawyer with a reputation for working diligently on behalf of the legal needs of their clients will be able to make sure your chapter 13 bankruptcy case outcome is one that will create a path for a more hopeful financial future for you.

When you need the highest quality representation, choose a chapter 13 bankruptcy lawyer that will provide you with the professionalism and compassion you need. This maybe a tough period of your life, but with proper representation, you can actually learn how to develop a plan to improve your future financial situation. Call and schedule a free consultation with an experience lawyer and learn of your rights through counsel that will be with you every step of the way.