We recognize that debt often feels like it is pulling you under water; drowning in debt is a very stressful situation. Sometimes the easiest way is not the best. Bankruptcy is a very emotionally draining event in life, and choosing to do chapter 13 reorganization bankruptcy should be thought over thoroughly to ensure that it is the right decision. Let us help you get all of the information you need about your finances, and see if we can come up with a hands on rescue plan that can help you with rapid debt elimination- without having to file for bankruptcy.  All you have to do is fill out our Debt Analysis form, and we can see if we will come up with a customized debt elimination plan that will help you regain control of your finances, faster than you think!

In a Chapter 13 bankruptcy, your unsecured debts are consolidated and one payment is made monthly to the bankruptcy court for a period of 3-5 years. A small amount of the money you pay to the court is used for court expenses; the remainder is used for payment to your creditors. Any balance of your dischargable debts which remains after the end of the 3-5 years is discharged. A Chapter 13 bankruptcy may allow the debtor to keep property where its value exceeds the exemption amount. It can also allow the debtor to pay past due payments on a house or a car and still retain the property. Sometimes, secured creditors can be forced to accept less than the full balance owed if the collateral is worth less than the amount owed. The new bankruptcy laws passed in 2005 make filing a Chapter 13 very complex. This is an area where you must have expert legal advice.

If Chapter 13 is the only way then we will let you know, but we will come up with an alternate plan that does not carry the emotional impact that chapter 13 would have on you.

We will always be there to guide you through this stressful time. You can feel secure in knowing that out financial experts hold your best interests at heart.