Helping You Develop A Clear Path to Success

Not everyone knows to go to a chapter 13 lawyer when they start to have money troubles. This is why it is good that some of them do advertise. Others hear of some names from their friends or other relatives. It should not be an embarrassment to go and speak to one. They have years of education and training so they can properly advise you, and quickly. The lawyers handle these cases all day long. Whatever question you may have, they can give you and answer quickly and professionally.

The first thing he will explain to you are the different types of bankruptcy. Once you begin to get the legal advice that you have needed, you can then start the process of making and educated decision for your self. Of course, the chapter 13 lawyer will guide you through it. He is supposed to protect your rights, this is what you pay him for. Most of them will not charge you for an initial consultation, though. You should ask just to be sure when you are setting up the appointment to see him.

You will work hand in hand with a chapter 13 lawyer and clear up your debts. If you have specific issues, you will concentrate on those first. The only way to get back your control of you financial situation is to go through this process sometimes. There are many people who are struggling through this crippling time on their own and just never seem to get through it and get some relief from it finally. Talking to a specialized lawyer will help put you in the frame of mind to take the steps you need and begin to climb out of this big headache.

You may be worried about how a bankruptcy will affect your home and wonder if you will lose your house in a foreclosure. The lawyer you choose should be able to answer any of these questions for you based on the facts that you give him about your individual situation. He will explain the best way for you to move forward and why. Under federal law you can work out a plan to pay off the bills by setting up a payment plan or eliminating some of the bills you have.

Your lawyer will know what is included or not. He will explain secure debts and unsecured debts. With Chapter 13, you will have a chance to pay off some of the bills and at a lower interest. The concentrates on the restructuring of the debts. Obviously this will only be feasible if the person filling for this has a steady income and can afford to keep up the regular payments on the reorganized payments. A plan is set up with the changes you and your lawyer agree on. This is then brought up to the courts for approval.