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Houston Chapter 13 Bankruptcy Lawyers

If you are struggling with overwhelming debt, you may be considering filing for bankruptcy. While this is a good option for many people, it is important to understand that there are several different types of bankruptcy. Not all of them will be a great fit for your situation.

At Grand Law Firm, we are here to help you determine if Chapter 13 bankruptcy is right for you. Our Houston bankruptcy lawyers can assess your financial situation and help you make the right decision.

If you are interested in filing for Chapter 13 bankruptcy, you will need to file a petition with the court and attend a meeting of creditors. After that, the court will require you to submit a repayment plan that details how you will make monthly payments to a trustee over a three-to-five-year period.

While Chapter 13 bankruptcy is often associated with debt repayment, it should be noted that not all debts need to be repaid. If you are behind on your mortgage or car loan, those debts must be paid in full. On the other hand, if you are behind on credit card debt, you may be able to pay a percentage of it over time.

To discuss your situation with an experienced Houston Chapter 13 bankruptcy attorney, contact Grand Law Firm by calling (504) 608-5208 today!.

What Is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is also known as "reorganization" bankruptcy. It is a form of bankruptcy that allows an individual or a business to reorganize their finances, rather than liquidating their assets. It is most often used by individuals who have a steady income and want to avoid liquidation. However, it can also be used by businesses that have been struggling to pay their debts.

Who Is Eligible for Chapter 13 Bankruptcy?

In order to qualify for Chapter 13 bankruptcy, you must have a regular income that is sufficient to pay your monthly living expenses and make payments on your debts. You must also pass the "means test," which determines whether or not you have the ability to pay back your debts through a Chapter 13 repayment plan.

Filing for Chapter 13 bankruptcy may be an ideal choice for individuals who are behind on their mortgage or car loan, but it may not be the best option for those who are struggling to make their monthly payments on credit card debt.

What Is a Chapter 13 Repayment Plan?

If you are approved for Chapter 13 bankruptcy, you will be required to create a repayment plan that details how you will pay back your creditors over the course of three to five years. You will make payments to a trustee, who will then distribute the funds to your creditors.

The amount you will pay toward your debts will depend on your monthly income, as well as the amount of debt you owe. You must pay at least the "minimum payment" on all of your debts, but you can pay more if you want to.

It is important to note that some debts, such as back taxes, child support, and alimony, must be paid in full. On the other hand, you may only have to pay a percentage of your credit card debt.

Our Houston Chapter 13 Bankruptcy Lawyers Can Help

Filing for bankruptcy can be a confusing and stressful process. It is important to have an experienced advocate on your side who can help you understand your options and make the right decision. At Grand Law Firm, we have helped many people with their bankruptcy decisions.

When you work with our firm, you can rest assured that we will work hard to help you achieve financial freedom. We can help you create a repayment plan that maximizes your ability to pay back your debts while allowing you to keep your assets.

To request a consultation with our experienced Houston Chapter 13 bankruptcy lawyers, call Grand Law Firm at (504) 608-5208 or contact us online today!

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The Opinions That Matter

  • Would recommend Grand Law Firm. They were helpful in everyway.

    Jodie M
  • "I would recommend Grand Law firm to anyone who seeking to file bankruptcy. They staff have the best customer service ever! They are professional and very helpful and always available when needed. AAAAA++++ service the best!"
    Keisha H.
  • "Thank You and God Bless Your Staff !! GLF went out of the way to work with me. I appreciate all that was done through my difficult time. I wasn’t the easiest client, so Thank You for your patience."
    A. Reed


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