A bankruptcy filing is something often viewed as a negative event in a person's life. This doesn't have to be the case. If you are considering filing for Chapter 13 to reclaim your financial future, you should look at this as a good opportunity to start fresh. We understand that you might have questions that you need answered. We are here to help ensure you understand the process so that you can get things going quickly.
Bankruptcy isn't an easy solution to your financial woes. You will have work to do. Credit counseling is one of the education requirements of this process. You can learn how to handle credit offers in the future so that you don't find yourself in a similar situation again.
Another point to remember about "wage earner's bankruptcy" filings is that you will have to make payments to the trustee. You will be set on a schedule for these. Once you make the required payments, your case will be discharged. Any balance still remaining on debts that are part of the bankruptcy won't be your responsibility.
People are sometimes concerned about their assets. While there are some that will have to be handed over for liquidation, there is a list of exempt assets that aren't part of the bankruptcy process. The exempt ones are those that you can hold on to. We can go through your case and help you to determine what assets fall under which category.
One thing that usually interests people is knowing that they will be able to enjoy some peace after filing. The automatic stay prohibits creditors from trying to collect on debts once you file the case. We can get your case filed so you can get the relief you are seeking.