Chapter 13

If you are behind on your house, car or property tax, or if you owe the IRS, Chapter 13 Bill Consolidation may give you the relief you need.

Bill Consolidation Chapter 13 provides you with a way to consolidate all of your debts into one payment that you can afford. In most cases, you can cut your monthly payment in half and get yourself out of debt in 3 to 5 years. Chapter 13 Bill Consolidation provides you a way to get out debt by paying your creditors what you owe while they are not allowed to charge you any interest or contact you in anyway.

Bill Consolidation Chapter 13 is designed for people with regular monthly income from a job or retirement. If you don’t have a job don’t worry, there are other Bankruptcy options that can still help you. If you file a Bill Consolidation Chapter 13, you must be able to make the new consolidated payment every month or you will be in jeopardy of this plan not working.

To find out more information about the benefits of Chapter 13 read or click on a link below:

• How Does Bill Consolidation Chapter 13 Stop Foreclosure?
• Stop the Repo Man
• How Does Chapter 13 Affect My Student Loan?
• Can I Protect My Cosigner?
• Should I Refinance My House Instead of Filing a Bankruptcy?
• Will the New Law Change Affect Me?

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How Does Bill Consolidation Chapter 13 Stop Foreclosure?

You can stop foreclosure of your home immediately with Chapter 13 Bill Consolidation. Chapter 13 will stop the sale of your home no matter who is foreclosing. It will also give you some time before you have to make your first payment (in most cases 30 days) and you can consolidate all the payments that you are behind into one low payment and will have up to 5 years to pay it back. This gives you the ability to keep your home and get caught up, so you can stay current.

Stop the Repo Man (Save your car)

If you are behind on car payments and afraid that it is about to be repossessed, a Bill Consolidation Chapter 13 can help! Once you file a Chapter 13, your car creditor is not allowed to repossess your car, no matter how far behind you are. Also, you will not have to make a new car payment for at least 30 days. This will give you the time you need to get back on your feet and, in most cases, our member attorneys can reduce your current car payment by up to half of what it is now.

If your car has already been repossessed, you need to call immediately!! Our member attorneys have been able to recover over 500 cars that have already been repossessed. However, there are restrictions…and the biggest one is usually time. Call now before it is too late.

How Are Student Loans Affected by Chapter 13 Bankruptcy?

If you currently have a student loan that you are paying, Chapter 13 will allow you to consolidate it into a low payment. It will also stop wage garnishment and collection calls. If you are currently not required to pay your student loan because you are still in school, Chapter 13 will not affect it in anyway. Chapter 13 Bankruptcy will not keep you from getting any new student loans or grants that you may still need.

Can I Protect my Cosigner?

YES!! In a Chapter 13 your co-debtors are automatically protected. This means that the creditor(s) will not be allowed to contact them or collect the debt from them in anyway. It also means that the creditor is not allowed to make an entry on your co-debtor’s credit report indicating that they have filed a Bankruptcy. When you meet with your attorney, be sure to inform him or her about your co-debtor so that they are protected.

Should I Refinance My House Instead of Filing a Bankruptcy?

In most cases, it is better not to refinance your home instead of filing Chapter 13Bankruptcy. It can be extremely dangerous to consolidate all your debts into your home payment. If you haven’t consolidated your debts by refinancing your home and you miss a payment on your credit card, the credit card company can harass you to pay, but they can’t take your home. If you were to refinance the credit card into your house payment, you would be in jeopardy of losing your home if you were ever unable to make a payment. You may think that the new house payment will still be much lower than your debt payments are now, but if you were to lose your job or have a tragedy in your life and therefore become unable to make the payment, your house may be lost. Chapter 13 can still provide a low consolidated payment without having to put your house at risk. Also, with Chapter 13 your credit can be re-built so quickly that it just doesn’t make sense to put your house at risk.

How Will the New Law Change Affect Me?

Under the new bankruptcy law that goes into effect in October, it may be harder for you to file a Chapter 13. You will be required to provide more information under the new law than under the current law and there are traps that you can fall into if you don’t do everything just right. This doesn’t mean that you won’t be able to file, but it does mean that your payment may be higher under the new law than it would be under the current law. If you are considering filing Chapter 13 or any type of bankruptcy, please click on the FREE Legal Evaluation below or call us at 1-866-595-1610 now to get a FREE appointment to meet with a qualified attorney who can tell you exactly what the differences are and how they will affect you.

Our member attorney law firms are debt relief agencies. They help people file for bankruptcy relief under the Bankruptcy Code.