Chapter 13 Attorney-Legal Representation to Help Clients Obtain Debt Relief

Chapter 13 bankruptcy occurs when a debtor goes to court and requests permission to put all of their liabilities into a lump sum payment plan. This plan calls for the debtor to take their unsecured liabilities in addition to any arrearage on their automobiles or house, gather them together, then ask the bankruptcy court for a plan of repayment. The repayment plan typically lasts between 3-5 years and once completed, the debtor is free of all their remaining liabilities. If you feel that this plan may work best for you particular situation, contact a reputable chapter 13 attorney to help represent your rights and interests.

Filing chapter 13 bankruptcy gives a debtor the opportunity to repay all or some of their debts with lower or no interest. This type of bankruptcy allows a debtor to restructure their debts by using whatever income they may have in the future in order to pay their creditors off. This type of bankruptcy is applicable for those who have a regular income and are able to afford to ask for this kind of reduction or adjustment. Good candidates for filing this type of bankruptcy might be those who are behind on their mortgage and may be headed for foreclosure, have back child support, have a car that is about to be repossessed, liens, credit card debt, owe back taxes, medical bills, and more. If you feel you are a good candidate for filing chapter 13, hire a good attorney to help you sort out your finances in addition to your long-term financial future.

There are certain laws in the U.S. that place restrictions on who is able to file for bankruptcy protection. Once you have established that you are eligible for bankruptcy protection, you should then consult with a knowledgeable bankruptcy attorney who will conduct an initial evaluation of your case and advise you on how to further proceed. If you feel your best option is to file chapter 13 bankruptcy, then call the offices of a chapter 13 attorney.

When an individual is considering filing for bankruptcy, they may choose to do it alone or seek the aid of a general practitioner, however, since the laws surrounding bankruptcy are so complex, these types of cases are best handled by an experienced lawyer that is knowledgeable with bankruptcy laws and the bankruptcy process. The following are some tips on how to choose the best attorney to help represent your case:

- Choose an attorney who has many years of experience and has handled prior bankruptcy cases

- Your attorney should have a comprehensive understanding of the bankruptcy process

- Your attorney should be knowledgeable of the bankruptcy laws in your state concerning exemptions

- Your attorney should devote time for you both before and after your case is filed

- Make sure you choose an attorney that is affordable

If you are planning on filing chapter 13 bankruptcy, do your research and make sure your lawyer has the appropriate credentials to represent you effectively. Call and schedule an initial consultation with a chapter 13 attorney to learn if you are a good candidate, what options will be best for your situation, attorney's fees, and how to structure a good financial plan for your future.