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Chapter 13 bankruptcies are for when you are planning to repay all or a portion of your debt over time. It is often referred to as the "wage earner's bankruptcy" because it is common for the person to be able to pay their living expenses, but unable to pay their debt that has grown out of control.
Let Southwell & O'Rourke P.S. help you reorganize your debt with a Chapter 13. If a Chapter 13 bankruptcy is a possibility, you must be sure you have a stable source of income. The ability to pay some of your debt is based on your income, and your ability to pay your court confirmed plan.
Save your house from foreclosure
Prevents harassment from creditors
Manage debts by spreading repayments over time
Discharging - at least in part - several debts after the completion of the bankruptcy
If you have to seek help by filing for bankruptcy, just know that you are not alone. We understand that sometimes you just get in too deep or have unexpected financial changes. Contact us to get help in your financial situation.