Chapter 13 Bankruptcy

Debt Adjustment Plan
(Free Chapter 13 Consultation)

Chapter 13 is an alternative to a Chapter 7 filing. In many cases, there are no upfront attorney fees; only court costs and counseling fees are needed to file, which total of $324.95. The attorney fees are paid over the life of your chapter 13 plan and are figured in your Chapter 13 plan payment.

• to stop a foreclosure of your home and to make up back mortgage payments
• to stop the repossession of your vehicle to get your repossessed vehicle back
• to change the value of your vehicle if your upside down and have owned it over 2 1/2 years

• to change the interest rate on your vehicle loan
• to save exempt assets from being sold and trusted
• to stop collections of student loans and garnishments
• to pay federal state income taxes with no further penalties
• or interest