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Learn More About Chapter 13 Bankruptcy

Foreclosures are on the rise as many families struggle to keep up with payments as a result of layoffs, cutbacks or catastrophic medical expenses. You may be wondering how you will possibly make all your monthly payments and save your home. The protections and reorganizations of Chapter 13 Bankruptcy may be the right option for you. If you are considering Chapter 13 Bankruptcy or want to learn more about your financial options, retain the immediate representation of Bacchus Law Group, LLC!

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To find out more about bankruptcy, we recommend that you speak with an experienced bankruptcy attorney. At Bacchus Law Group, LLC we inform our clients that bankruptcy is not something to be ashamed of. Chapter 13 Bankruptcy lets you reorganize your debts in payments over three to five years. Depending on your past and present income as well as your projected living expenses, it may be that you receive a full discharge of liability on your unsecured debts. After evaluating your income and expenses your attorney will determine to what extent you must pay back certain creditors.

Qualifying for Chapter 13 Bankruptcy

Prior to filing Chapter 13 Bankruptcy (also known as a debt repayment plan), it is essential that you meet with an experienced bankruptcy lawyer to understand all the benefits of this debt relief option. Chapter 13 is not about qualifying, it is about proving feasibility. You must show the Court that you have enough disposable income after living expenses, to support a repayment plan.

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If your income is lower than the median, you may propose a three year repayment plan. If your income is higher than the median, you may propose a five year repayment plan. If you lose your job halfway through the payment plan, you may request a modification.

Qualifying Debt Limits

You will not qualify for Chapter 13 Bankruptcy if secured debts such as your mortgage, exceeds $1,010,650, or unsecured debts such as money owed on credit cards, exceeds $336,900. If you decide to move forward with Chapter 13 Bankruptcy, you must complete required credit counseling education to meet bankruptcy requirements. Enter attorney code RL4789 to have a certificate of completion sent to our office prior to filing.

Securing an Automatic Stay

When you file for Chapter 13 Bankruptcy, the court will order an automatic stay. That means that your creditors may not contact you at work or at home to collect unpaid debts. If your home is in foreclosure, it may not be sold, and creditors may not garnish your wages. The stay remains in force throughout the three to five years of the payment plan.

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The Bacchus Law Group, LLC prides itself on client communication. As such, our attorneys keep clients informed every step of the way. We will do everything within our power to help you move forward with your bankruptcy proceedings with confidence. In order to do so, we will address each of your concerns and answer each of your questions. Additionally, we will completely educate you about the laws surrounding bankruptcy so that you are more enabled to make sound and informed decisions. Contact the firm to schedule a free telephone consultation about your Chapter 13 or Chapter 7 Bankruptcy concerns with a qualified lawyer.

We proudly represent clients throughout Metairie, St. Tammany Parish, Covington, Mandeville, Slidell, LaPlace.

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