Chapter 13

Chapter 13 Bankruptcy Attorney

Chapter 13 bankruptcy is a available for debtors with a regular income who need a fresh financial start. Chapter 13 bankruptcy, which is sometimes called wage earner bankruptcy, a wage-earner plan, or an income based plan, allows a debtor to propose a plan to repay creditors, reduce the amount owed to creditors, or both. Upon completion of the repayment plan, a Chapter 13 debtor obtains discharge of their debts while keeping their home, their car, and other assets. To learn more about your debt relief options, contact our Chapter 13 bankruptcy lawyer to schedule a consultation and case evaluation.

At the law firm of John C. Stewart, Attorney at Law, in Denver, Colorado, we have been helping Colorado residents file for Chapter 13 bankruptcy for more than 30 years. We have helped clients use a wage earner bankruptcy proceeding to:

• Cure arrearages: If you are behind on your home mortgage or other secured debt payments, filing a Chapter 13 bankruptcy petition can give you a chance to cure the default and keep your property.
• Restructure tax debts: If your income or other tax installments are too high, a Chapter 13 bankruptcy may allow you to work out a new payment schedule with the Internal Revenue Service (IRS) or the Colorado Department of Revenue.
• Discharge fraud claims: If you have been sued on a charge of fraud, talk to us about the possibility of discharging the alleged debt under a Chapter 13 bankruptcy.
• Keep non-exempt assets: If you own a non-exempt asset that you would like to keep, contact our knowledgeable Denver bankruptcy lawyer to schedule an appointment to discuss your options.
• Cap interest and penalties: Did you know that a Chapter 13 bankruptcy could allow you to cap the accrual of interest and penalties on non-dischargeable debt such as student loans, child support, and federal and state taxes? Contact us to see how a Chapter 13 wage earner bankruptcy might work for you.

Is Chapter 13 Right for You?

Our bankruptcy lawyer will work with you to select the appropriate chapter under which to file bankruptcy, whether Chapter 7 or Chapter 13, to complete the mandatory "Means Test," to file your bankruptcy petition, and to ensure that your bankruptcy case is handled as quickly and efficiently as possible.

Although a Chapter 13 wage earner bankruptcy may cost more than a Chapter 7 bankruptcy, for an employed person earning sufficient wages, it can be the answer to their unbearable debt.

To learn more about your debt relief options under the United States Bankruptcy Code, contact our Chapter 13 bankruptcy attorney to schedule a consultation and case evaluation.

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