The attorneys at Lauber Dancey file Chapter 13 bankruptcies to protect your property and to help you reorganize and reduce other debts. A Chapter 13 bankruptcy places your home under the protection of the U.S. Bankruptcy Court and stops foreclosures. It also puts your vehicle under the same Bankruptcy court protection and prevents your car from being repossessed. Chapter 13 bankruptcy is used primarily by people with a mortgage or a vehicle who wish to keep their property, yet need time to restructure payment of existing debt to a manageable level. We may also be able to help with student loans, high tax debt, or stripping off a second mortgage (so it is discharged at the completion of your case) as well.
Chapter 13 bankruptcy not only protects certain property… it also reorganizes your debts. In many cases, depending on your income and assets, we will be able to completely eliminate your unsecured debt. This means you may not have to pay credit card debt, medical bills, personal loans, old tax debt, delinquent utility bills and certain other unsecured debt. A Chapter 13 bankruptcy also reorganizes and helps pay for recent tax debt, tickets keeping you from retaining your driver’s license, homeowner´s association fees, or delinquent child support payments.
While you are in your Chapter 13 bankruptcy, which lasts from 36-60 months, your creditors are prohibited by law from calling you. This comes as a great relief to our clients. You may refer any calls you do receive to our office, and we will talk to your creditors for you.
We understand how you feel if you are facing foreclosure on your home, repossession of your vehicle or are facing a loss of your driver’s license because of inability to pay traffic violations. A Chapter 13 bankruptcy can prevent these events from occurring. Contact Lauber Dancey’s bankruptcy attorneys today for a confidential, complimentary meeting. Our Washington debt relief attorneys know what you’re going through, and they’re ready to help.