When debt keeps on piling up with no end in sight, it can make you feel helpless. But there is help and you can get it when you call the Law Office of Shari Lee Smith. Our office is ready to speak with you regarding your debt and help you come up with a plan that allows you to finally start getting out of debt.
When you file for Chapter 13 bankruptcy, you are set up to repay debts over a 3-5 year period. Often called bill consolidation or a wage earner repayment plan, Chapter 13 is available to those who have extra money left over after paying their necessary living expenses each month. This can enable you to catch up on any past-due house payments, taxes, child support and other problem debts. And all of this can be done while you are under the protection of the Bankruptcy Court and remain under this protection as long as you can provide for these debts under your plan. No more harassment. No more sleepless nights.
You can count on this protection, the "automatic stay," to begin at the very moment you file a bankruptcy petition of any chapter. This protection prevents creditors from taking any further actions to collects debts or repossess collateral without first obtaining a court order from the Bankruptcy Court.
Enjoy the peace of mind that comes with knowing that you are getting yourself out of debt. A Chapter 13 bankruptcy process can help block foreclosure on your home, will stop any IRS levies and will stop the repossession of your vehicle. We can help you reduce the payments on your vehicles, furniture and other secured debts and protect any co-debtors.
Based on your income and expenses, we will find an affordable payment option for each month that can also enable you to repay a portion of your credit card and other unsecured debt. You will pay a Chapter 13 Trustee for a 3-5 year period and the trustee will pay the creditors in your plan. Once your plan is over, you are discharged from all remaining dischargeable debts. All of this is accomplished through a Chapter 13 bankruptcy plan that I will prepare for you.
For your convenience, we provide multiple payment plans to make the process easier. We also do not require any advanced attorney's fees.
Call today to get a FREE consultation to discuss your road to financial recovery.