Chapter 13

Chapter 13 bankruptcy is a reorganization of one's debts. At DAL Law Firm, we bring affordable representation to people who need help with their debts. In a Chapter 13 bankruptcy, we help you develop a payment plan based on what you can afford, and you commit to that plan for a period of three to five years. We will prepare a plan that best suits your needs and financial objectives.

There are many reasons that someone may elect to file for Chapter 13 bankruptcy. This includes:

  • Saving a home from foreclosure
  • Work on a loan modification of one's mortgage
  • Your income is too high to qualify for Chapter 7 bankruptcy
  • Being ineligible for file for Chapter 7 bankruptcy due to a prior Chapter 7 bankruptcy filing
  • Developing a payment plan for IRS debts
  • Modify your vehicle loan terms
  • Remove a second mortgage from your home
  • Repaying one's debt in full, but at a reduced interest rate, sometimes even down to 0% interest

Our goal at DAL Law Firm is to alleviate as much of the financial stress as we can, so you can focus on other important things in your life. We don't want you to be burdened by debts to such an extent that it is overwhelming for you. Once you've retained our office for the Chapter 13 bankruptcy, you can direct all of your creditors to contact our office, and we will handle all communication with your creditors going forward, so you don't have to worry about speaking with them, or for many of our clients, you don't have to continue ignoring the creditors' phone calls.

Reorganizing your debts under Chapter 13 bankruptcy may be the right option for you. Contact us for a free consultation to discuss not only Chapter 13 bankruptcy, but all of the options you may have available to you.


"My husband and I went to see Darcel regarding a creditor suing us. Their attorney lied saying that we were served court papers. It was a surprise to me that I was getting garnished. I was so embarrassed. Darcel listened to our ordeal and gave us options. She helped us go through bankruptcy, again embarrassed. She made us feel so much better. She is very professional and yet so friendly, not like others I have had in the past. I would highly recommend her! If we ever need an attorney again we definitely would go back to her!!"


We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.