When you’re deeply in debt, climbing out seems impossible.
You want to pay back what you owe, but mounting financial pressures and the cost of ordinary living make paying off debts seem a far away dream.
In these cases Filing for Chapter 13 bankruptcy can be the extra boost you need to start paying back debts and restore your good credit.
Chapter 13 is designed for consumer debtors who do not have the ability to reinstate their mortgages in one lump sum but are able to catch up if given enough to do so. In many cases, second mortgages or home equity lines of credit can be totally wiped out as both a debt you owe and as a lien against your property, leaving you with only one mortgage payment to make on your home thereby reducing your housing costs substantially.
If you are behind on car payments or owe the IRS money, Chapter 13 can fix that too by setting you up on a payment plan that you can afford.
Steven F. Bliss, Attorney at Law personally counsels individuals who may want to file for Chapter 13 bankruptcy. He guides them in determining how to best establish viable repayment plans for their debts. Steve has helped numerous debtors recover from their debt and return to living financially healthy lives.
Steve will help you with all the particulars and paperwork involved in establishing Chapter 13, including:
- Analyzing your debt
- Determine eligibility and gauge your income
- Establish your property exemptions
- Complete and file all forms
- Represent you at hearings and help negotiate a payment plan with creditors
Beyond guiding you through the Chapter 13 process, Steven F. Bliss, Attorney at Law will instruct you as to the best course of action. Chapter 13 isn’t for everyone, and there are numerous factors to consider. No matter your situation, you can always trust Steven F. Bliss, Attorney at Law to provide honest legal counsel that helps with your debt.
Steven F. Bliss, Attorney at Law.
To schedule a free consultation:
(858) 278-2800!