Chapter 13 Bankruptcy

Wichita Chapter 13 Attorney

Bankruptcy is a complicated process that is difficult for many laypeople to understand. There are many rules, exceptions to those rules, forms, and legal requirements to fulfill, and it can be an incredibly stressful process. If you are filing for personal bankruptcy to get debt collectors off your back, then you may benefit from filing for Chapter 13 bankruptcy, also known as the wage earner’s plan. In addition, you may benefit from hiring a Wichita Chapter 13 attorney to help you file your claim successfully.

Before you do, it's important to understand what you're getting into.

What Is Chapter 13 bankruptcy?

Chapter 13 is a bankruptcy plan that allows for individuals with regular income to develop a way to repay most of or all of their debts. Under this chapter, a repayment play is proposed by the debtors and usually takes place over three to five years.

During these years, creditors are forbidden from starting or continuing their attempts to collect payment from the individual that filed. In short, this allows indebted individuals to pay back their debts over a longer period of time, giving them the breathing room they need to reclaim their finances.

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What Are Its Advantages?

Depending on your circumstances, Chapter 13 can offer individuals a great many advantages over the liquidation clause of Chapter 7 bankruptcy. It allows individuals the opportunity to save their homes from foreclosure, for instance. You will also have no direct contact with the creditors under Chapter 13, as they will be forbidden to continue or make attempts to force repayment until the required dates and times.

If you want to keep your assets and your home, then Chapter 13 is often the right decision.  Your debt will be consolidated, and you will make payments to a trustee.

Why Should I Hire a Wichita Chapter 13 Attorney?

If you are looking for bankruptcy services or debt consolidation in Wichita, Kansas, then you may benefit from the assistance of a bankruptcy attorney. If you fill out paperwork incorrectly or make other small mistakes, you may have difficult filing for bankruptcy in a timely manner. That's why many people choose to hire a bankruptcy attorney to assist them.

My interest in bankruptcy law comes from a desire to help Wichita residents and ensure that the law treats them fairly. I have practiced law as a Wichita Chapter 13 attorney for over 20 years, and I want to help people get the justice and fair treatment that they deserve. I know how to navigate the court system and complex bankruptcy filing processes to make sure that you get the fair treatment you deserve. Bankruptcy is complicated; make sure you don’t do it alone. 

If you need help filing for Chapter 13 bankruptcy in Wichita, don't hesitate to contact our law firm today.