West Caldwell Chapter 13 Bankruptcy Attorneys
There is a way to keep your assets, stop foreclosure, and get the debt relief you deserve. With the help of an experienced lawyer, Chapter 13 bankruptcy will let you establish a debt payment plan you can afford, allowing you to maintain your mortgage and other assets while making strides to get out of debt. At the West Caldwell, New Jersey, law offices of Minion & Sherman, we are a debt relief agency. We help people file for bankruptcy under the bankruptcy code.
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Whether you have just gone through a difficult divorce or you have built a substantial credit card debt, you are looking for a way to take control of your financial future. Filing for personal bankruptcy could provide you with options you didn't even know were available. By filing for Chapter 13 bankruptcy, you can keep the assets you value most, by paying back what you can afford.
Quite simply, Chapter 13 bankruptcy is a payment plan. You will get the chance to work with your creditors to create a three to five-year payment plan that you can afford, based on your income and expenses. After the predetermined length of the plan is finished, your remaining debt is forgiven. By making a good faith effort to pay back what you can realistically afford, you can avoid foreclosure, as long as you pay back your arrears and stay regular on your monthly payments.
Through Chapter 13 consumer bankruptcy, you can sell your property and save equity, refinance your home, or maintain your mortgage as it stands. At the West Caldwell law offices of Minion & Sherman, we can help you determine whether you have the ability to make payments and put a plan together that works for you to help you achieve long-term economic stability.
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Filing for personal bankruptcy represents a major change. Before you make a decision of such magnitude, you should consider all your options and talk to an attorney about which one is best for you. At the West Caldwell law offices of Minion & Sherman, we offer free initial consultations and night/weekend appointments for clients considering bankruptcy. Contact us today and find out if we can help you get the debt relief you deserve.
