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Chapter 13

Chapter 13

Chattanooga Chapter 13 Bankruptcy Lawyer

Conner & Roberts, PLLC 4115 North Terrace Chattanooga, TN 37411 (423) 266-2144

While many people find debt relief through Chapter 7 bankruptcy, some individuals are better situated to take advantage of Chapter 13 bankruptcy — or reorganization bankruptcy. The professional and experienced attorneys at Conner & Roberts, PLLC, can help you understand what debt relief option will be most beneficial to you.

Our Tennessee bankruptcy law firm is based in Chattanooga. We represent individuals struggling with their finances in bankruptcy cases throughout the eastern and middle regions of the state. We have reasonable rates and payment plan options to make sure the help you need is affordable for you.

Our Chapter 13 Bankruptcy Lawyer Will Assist You To Reorganize Your Life

We realize that regardless of the reason why you have accumulated your debt, your bills won’t stop coming and now you are facing serious financial and legal consequences. For over 10 years, Chattanooga Chapter 13 bankruptcy attorney Amelia Roberts has been helping clients get their finances back on track through the Bankruptcy Code.

Chapter 13 bankruptcy allows an individual to reorganize his or her debt through a payment plan that usually lasts up to five years. Unlike in Chapter 7 bankruptcy where dis-chargeable debt is eliminated, Chapter 13 allows you to pay off your debt in more manageable monthly payments — enabling you to keep you home, cars and other property you own. The payment will also include an amount to be paid toward unsecured debts (such as credit cards), which could be just pennies on the dollar as they are paid as a percentage of what is owed based upon the debtor’s income and ability.

We will create a budget that works for you by refinancing your car loan to a manageable payment plan, giving you up to five years to get current on your mortgage. You also may be eligible to pay your unsecured creditors just pennies on the dollar.

Like Chapter 7 bankruptcy, as soon as you file for a Chapter 13 bankruptcy, an automatic stay will be issued by the court that will stop creditor telephone calls, creditor letters and emails, repossession, wage garnishments, foreclosure on your house and creditor lawsuits.

Typically, Chapter 13 bankruptcy is most beneficial to individuals who have regular income but are struggling with overwhelming credit card bills, medical expenses, car loans and other debt. Often the best candidates for this type of bankruptcy have valuable assets, make a significant income and would like to keep their assets, such as homes and businesses.

When you consult with Conner & Roberts, PLLC, we will work closely with you to learn about your financial circumstances and help you understand if Chapter 13 bankruptcy is right for you. Our lawyers are committed to providing practical legal advice that will truly benefit our clients that are facing insurmountable debt.

How can we help you?

Contact us at the Conner & Roberts office nearest to you or submit a consultation request online.

I just want to take the time out to express my gratitude for your help and guidance in my bankruptcy. I hope you continue to give the assuring direction to your future clients.

J.B.

Contact Our Hamilton County Debt Payment Plan Attorneys Today

We invite you to contact Conner & Roberts, PLLC, today at 423-266-2144 to schedule a free consultation when you are considering Chapter 13 bankruptcy. We represent individuals, families and businesses in the Tennessee Valley and throughout eastern and middle Tennessee. Our law office hours are Monday through Friday from 8:30 a.m. to 5 p.m., and evenings and weekends by appointment. We can start your case with as little as $0 up front. We offer affordable payment plans.

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


 

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