Gilbert Chapter 13 Bankruptcy Lawyer
Filing chapter 13 bankruptcy–or any type of bankruptcy–can be a stressful experience that leaves you with many unanswered questions. For instance, how are you supposed to know that you correctly filed everything? A Gilbert chapter 13 bankruptcy lawyer at Lerner and Rowe Law Group can help answer your questions, as well as significantly speed the filing process for this type of debt relief in Arizona.
For a knowledgeable guiding hand throughout this process, call 602-667-7777, fill out this FREE online form, or just connect through LiveChat.
What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy is also known as reorganization bankruptcy (a.k.a wage earner’s plan). In other words, you will still pay off your debt through an affordable monthly repayment plan.
Do I Really Need to Hire a Gilbert Chapter 13 Bankruptcy Lawyer?
Yes, you should really hire an attorney to help you file. Not only do we know every step of how to file chapter 13 bankruptcy in Gilbert, AZ, but we also have years of experience going through the process with clients like you.
When you decide to file for bankruptcy, all you need to do is call Lerner and Rowe Law Group for a free debt relief consultation. Our Gilbert bankruptcy lawyer will carefully evaluate and discuss your individual circumstances with you. Should you decide to hire us, we will help you create a repayment plan covering the next three to five years that all parties to your bankruptcy can agree with.
Just know that throughout the process, we will ensure that you understand the complexities of Arizona’s chapter 13 bankruptcy laws so that some of your anxiety and confusion may be eased.
What Debts Can Gilbert, Arizona Chapter 13 Bankruptcy Help With?
In Gilbert, filing chapter 13 bankruptcy can help you handle:
- Tax obligations
- Mortgage arrears
- Medical bills
- Car loans
- Credit card debt
- Student loans (included in plan but not discharged)
Moreover, in certain circumstances we may be able to help you apply a “cram-down” strategy, where you will pay off only the value of your car instead of what you owe–along with reducing its interest rate. Avoiding foreclosure on your home may also be on the table by using chapter 13 to eliminate the need for a second mortgage or Home Equity Line of Credit (HELOC).
What Are the Benefits of Filing with a Gilbert Chapter 13 Bankruptcy Lawyer?
Of the many benefits of filing chapter 13 bankruptcy, the automatic stay is the most overt and immediate. Once you file, this provision activates and stops your debt collectors from coming after you and your assets. And so, filing for bankruptcy can halt:
- Wage garnishments.
- Creditor and collection calls.
- Repossessions.
- Liens.
- Foreclosures.
Ultimately, filing for bankruptcy in Gilbert can provide a fresh financial start. And so, if your debt repayment seems unattainable, seek relief by hiring a qualified bankruptcy lawyer at Lerner and Rowe Law Group.
Seek a Gilbert Chapter 13 Bankruptcy Lawyer from Lerner and Rowe Law Group Today
Deciding to file for bankruptcy is a hurdle. Researching your options and deciding what to do next is overwhelming. Handling all of this while also shouldering the burden of harassing creditor calls and heavy payments is something no one should have to take on.
By working with an attorney, you will have a guiding hand throughout the filing process, starting with qualifying and ending with a repayment plan that benefits both parties. Don’t try to do all of this alone, and instead connect with Lerner and Rowe Law Group.
Calling our Gilbert bankruptcy team is easy – just dial 602-667-7777, fill out this FREE online form, or use LiveChat. We’ve helped thousands of people reach the best possible outcome, so seek us out today.