Pay Off Your Debts with a Structured Repayment Plan—Chapter 13

An opportunity for financial breathing space

Filing Chapter 13 bankruptcy reorganizes your debts and allows you pay them off within three to five years. This bankruptcy option suits those who—

• Are behind on your mortgage payments
• Owe money to the IRS
• Do not pass the Chapter 7 means test
• Need relief from collection proceedings
• Have debts with co-signers

Attorneys at the Law Offices of David W. Brown, PLLC in Lapeer, MI can help you plan the most positive outcome in your Chapter 13 filing.

The Pontiac Chapter 13 Bankruptcy Process

When you file for Chapter 13 bankruptcy, you include a proposed plan that provides payment of all priority claims, such as taxes, in full. The bankruptcy court appoints a trustee, who reviews your plan. Your creditors receive the plan and can accept or reject it. If the court approves your plan, you make monthly payments to the bankruptcy trustee, who distributes the funds to your creditors accordingly. You also keep all your assets throughout the plan’s payment period as long as you do not miss any payments.

If you complete the approved plan, your unpaid debts are discharged. If, for some reason, you are not able to complete the plan, the Law Offices of David W. Brown, PLLC can help you determine your best legal options.

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Nothing is hopeless. Debt relief is just a call or click away when you contact the Law Offices of David W. Brown, PLLC.

The firm offers payment plans and flexible scheduling to meet your needs. Well known in the Lapeer community, the Law Offices of David W. Brown, PLLC has the diligent work ethic and specific bankruptcy law experience to help you find light at the end of the tunnel.