Chapter 13 Bankruptcy And How It Can Help You
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.
Someone may elect to file for Chapter 13 bankruptcy for many reasons, including:
- To save a home from foreclosure
- To work on a loan modification of one’s mortgage
- Income too high to qualify for Chapter 7 bankruptcy
- Ineligibility for Chapter 7 bankruptcy due to a prior Chapter 7 bankruptcy filing
- To develop a payment plan for IRS debts
- To modify your vehicle loan terms
- To remove a second mortgage from your home
- To repay your 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 you are overwhelmed. 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. You don’t have to worry about speaking with them or ignoring their 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.