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Chapter 13 Bankruptcy

If you’re considering bankruptcy, you’re probably worried by the following questions:

  1. Will I lose my home, my car, and all my important assets?
  2. Will the bankruptcy destroy my financial future?
  3. Will it be a shameful experience?
  4. Will I even be able to afford it?

Well, I’m here to calm your fears and give you the sense of relief and freedom you’ve been seeking for so long. Chapter 13 of the U.S. Bankruptcy Code allows you exemptions so you can keep the important assets in your life, like your house and your car. It also allows large exemptions for many things you might not expect (even things like jewelry!). In other words, you don’t need to worry about losing everything, or even being stripped down to the bare essentials. As to your financial future, here’s what I’ll say about credit: It’s what got you to where you are in the first place! Credit is nothing more than the measure of how deeply you’re allowed to go into debt. Do you really want to get out of debt, so you can go right back into it? There are ways to reestablish credit relatively quickly, which we can talk about, but I just want to drive this point home hard: Good credit is not your goal. Freedom, financial security, and options are.

Concerning price, most of the cost of filing for bankruptcy can be negotiated right into the settlement, so you’ll only have to pay a small down-payment. The final settlement will most likely be a small fraction of what you originally owed, and most importantly, will be paid back in reasonable monthly increments that you can afford. You won’t be a slave to your debt anymore.

Bankruptcy is not shameful, and it doesn’t have to be public knowledge either. What it can and should be is a strategic choice to save your assets, and regain your freedom. You were not meant to spend your life as a slave to predatory lenders. That’s why I’m passionate about what I do. You deserve freedom.

How Chapter 13 Works:

Chapter 13 Gives You Options

Chapter 13 Bankruptcy is a consumer reorganization. It has a broad range of options. One of the biggest pluses is the ability to lien strip a second mortgage. You can also cram down cars and mobile homes (meaning you can modify the principle). You pay a percentage of your unsecured debt back. That is based on disposable income. Often, that can be a very small amount.

Chapter 13 Saves your Assets

If you are facing a foreclosure and need to stop it to keep your house, you can do so today with a Chapter 13 Bankruptcy. By filing a Chapter 13, you enforce what’s called an “automatic stay” which will stop the foreclosure. You treat your pre-filing debt in the reorganization plan.

The reorganization plan itself takes 3 to 5 years to complete. There are different classes of creditors in a chapter 13, and they each may get treated a little differently.

Understanding a Chapter 13 doesn’t have to be complicated. That’s where I come in. If you call me today (810-632-9160), we can have a free sit down discussion and consultation. I can explain your options and how it all works. Together, we can decide your best strategy.

The fees for a Chapter 13 can usually be worked into the plan. A small down-payment can get your case going, and the balance can be paid through the plan. This is something that can be discussed at your free consultation.

Chapter 13 Vs. Chapter 7

Sometimes a Chapter 13 just makes better sense then a Chapter 7. There are a lot of myths out there about Chapter 13 that just are not true. Don’t assume everything you’ve heard is true.

One important difference between Chapter 7 and Chapter 13 is who qualifies for each. Even if you cannot qualify for a Chapter 7, you can still file a Chapter 13 to receive bankruptcy protection. Plus, as I mentioned earlier, Chapter 13 is usually the filing of choice, if you have assets that you want to protect.

Some of the things that you can pay through a Chapter 13 are alimony, child support, and taxes that are not dischargeable in Chapter 7.

Chapter 13 Follows a Basic Process

The basic process to the Chapter 13 is a couple of court dates, a meeting of creditors, and a confirmation hearing. At our law office, we take pride in making everything user friendly. We have a simple check list, and we do everything to make it easy on you.We are here to help. We are here to get the creditors off your back and make your life less stressful.

Why We’re Different:

We care:

My office offers a free consultation. Call me at 810-632-9160. Call right now, and we will schedule a meeting to sit down one on one and develop a clear and detailed plan to get you out from under this unreasonable burden you’ve been carrying. Life is too short to spend it as a slave to creditors who care for nothing but your money.

My Office offers a very unique service, because we give each client personalized care. I’m not a big firm, and that works toward your advantage. I can afford to give you the most competitive price available in Michigan, because I don’t have tons of overhead. I can also afford to give your case the personal attention it deserves. I will meet with you personally, and together, we will determine what your options are. If you decide you want to file a Chapter 13 Bankruptcy, my fees are the best around. I offer a low down-payment, because I know cash is not easy to come by, if you’re planning to file for bankruptcy. I usually have your case ready to file within 4 to 7 days. Many attorneys charge you extra to get your case ready that quick. I believe you’ve already had enough of people taking advantage of your financial situation. I will also do the administrative closing to stop all lawsuits.

We Serve Michigan:

If you want to save your home, and if you want creditors to leave you alone today, call me. I can protect your most important assets and get those bill collectors off your back. My office is conveniently located in Hartland, Michigan at U.S. 23 and M59. I am 20 minutes from Flint, 30 mintues from Ann Arbor, and about 50 minutes from Detroit. I’m in Livingston County but serving Oakland County, Wayne County, Wastenaw County, And all surrounding areas.

You need an expert attorney that will be available and have a sense of urgency. You need someone who will not over charge you and will not have hidden fees. I am a qualty Michigan bankruptcy attorney. I am not a bankruptcy mill. I am a counsumer bankruptcy attorney that will fight for your rights. If you are looking for a chapter 13 attorney in Michigan, or if you are looking for a chapter 13 attorney in Livingston County or a chapter 13 attorney in Oakland county I can help you. I care.

Call me at 810-632-9160, and stop the pain today!

Alternatively, you can email me at dddern@aol.com, or you can use the contact form button on the left side of your screen.

I promise you if you are looking for file for a chapter 13 in Livingston County you can't go wrong by calling my office today.