Mesa Chapter 13 Bankruptcy Lawyer
Facing financial hardship and considering Chapter 13 bankruptcy in Mesa? This can be an unfamiliar and stressful situation. Chapter 13 offers a path to debt repayment while potentially allowing you to retain valuable assets.
Lerner and Rowe Law Group can guide you through this process. Our experienced Mesa bankruptcy attorney will leverage his knowledge and expertise to help you achieve your financial goals. Whether that’s qualifying for Chapter 13 or exploring alternative solutions, we’ll be by your side.
To take the first step, set up your free case evaluation and consultation by calling us at 602-667-7777.
Do I Need a Mesa Chapter 13 Bankruptcy Lawyer to File?
You don’t need a Mesa attorney to file for chapter 13 bankruptcy. But, if you don’t work with an attorney you risk some major upsets. For instance, there is the possibility of failing to qualify on a technicality. Imagine missing out on the chance to file without losing an asset because of a simple misunderstanding. Your attorney’s experience will help you avoid such a situation.
How Can a Chapter 13 Bankruptcy Help a Debtor?
Chapter 13 bankruptcy offers several advantages for debtors struggling with overwhelming debt:
- Debt Repayment Plan: Chapter 13 allows you to create a court-approved repayment plan, typically lasting 3-5 years. This plan consolidates your debts into one monthly payment, making them more manageable.
- Asset Retention: Chapter 13 allows you to keep your property, including your home and car, as long as you stay current on your plan payments.
- Stop Foreclosure and Repossession: Filing for chapter 13 automatically puts a halt to foreclosure proceedings and repossessions. This gives you breathing room to catch up on missed payments and save your assets.
- Reduce Unsecured Debts: The chapter 13 repayment plan may allow you to reduce the total amount owed on certain unsecured debts (like credit cards or medical bills). Any remaining unpaid balance after completing the plan is typically discharged.
- Improve Credit Score Over Time: Successfully completing a chapter 13 plan can eventually improve your credit score, demonstrating your commitment to responsible debt management.
Lastly, the best benefit to filing bankruptcy is the possibility of a fresh start financially. With your debts paid off and your wages fully paid out to you, your future will look far brighter.
How to File Chapter 13 Bankruptcy in Mesa, AZ
To file chapter 13 bankruptcy in Mesa, AZ, start by calling Lerner and Rowe Law Group. We will listen to all the details surrounding your situation and direct you towards the type of bankruptcy that will be most beneficial (and possible) for you. This will save the time you’d otherwise spend researching and troubleshooting.
Then, we will help you through the qualification and filing processes. After filling out the necessary paperwork, you will just enjoy the benefits of the automatic stay while we handle negotiations with creditors and conversations with your bankruptcy trustee.
We’ve helped thousands of individuals like you reach the best possible outcome after filing chapter 13. And so, choose our award-winning bankruptcy attorney at Lerner and Rowe Law Group–we’ve received hundreds of five star reviews.
Contact Your Mesa Chapter 13 Bankruptcy Lawyer Today
If your credit card debt is mountainous, collection calls are overtaking your phone, and medical bills take you over the edge, consider calling Lerner and Rowe Law Group for help. Or, do the same if your car loans are overwhelming, taxes are due, and your student loans offer no breathing room.
Our number is 602-667-7777, but you can also reach us by filling out this FREE online form or by using LiveChat . That fresh financial start may be available to you sooner rather than later, so reach out today.