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Chapter 13 Bankruptcy

Chapter 13 Bankruptcy Lawyer in Pennsylvania

Living with the debt and fear of getting your house foreclosed on or your car getting repossessed, is not easy. If you are worried about paying off your utility bills, unsecured debts and fearing that you might lose your car or house can be avoided with bankruptcy. If you want to protect your property and pay the debts in the most convenient way, then filing for Chapter 13 bankruptcy is the best option. Come to our Pittsburgh bankruptcy lawyer for more assistance.

Chapter 13 Bankruptcy

When it comes to filing for consumer bankruptcy, Chapter 13 bankruptcy is one of the most common options in not only Pennsylvania but also in the whole United States. As chapter 13 of the U. S. Bankruptcy Code governs this type of bankruptcy, it derives the name from that.

This is also called the reorganization bankruptcy for which you need to know clearly what our Pittsburgh bankruptcy lawyer has to say.

When as a debtor, you are filing for Chapter 13 bankruptcy, you will get a court-approved reorganization plan that will help you make the payments of your debts on a priority basis. This is basically a contract that can last from 3 to 5 years depending on the amount you owe, your income and your relation with the creditors. With this plan, you will be agreeing to pay the creditor at a pre-determined time, weekly or monthly basis. A court-appointed trustee will handle the distribution of the amount for the different creditors depending on the priority of the debt.

As the debtor gets a repayment plan, this is called a wage earner’s plan too. For chapter 13 bankruptcy, the necessary thing is to file it if you have a regular source of income. If you don’t have that, then going for chapter 7 bankruptcy is a better option. The income that can help you with this will include:

  • Benefits from the government including social security, disability and welfare
  • Alimony or spousal support
  • Salary, wage or commission
  • Royalties

Once you complete the repayment plan, the court will wipe out the dischargeable debts that can include:

  • Credit card bills
  • Debts from income tax
  • Bills for dental treatment, hospital, procedures and other medical bills
  • Small businesses loans
  • Personal loans
  • Student loan debts only in exceptional cases
  • Utility bills
Why Should You File Chapter 13 Bankruptcy

There are some benefits you can get from filing chapter 13 bankruptcy in Pennsylvania that can include:

  • You can get freedom from debt, by wiping them off after the completion of your bankruptcy
  • When you are filing for bankruptcy, initially it will cause a dip in your credit score. However, as you will get free from debts, you will find it easier to stay current with your payments which will reestablish your credit score.
  • If you have missed mortgage payments or car loan payments, this type of bankruptcy can buy you some time that will eventually help you get back on the right track in terms of your finances and make timely payments.

For more details or to get a free consultation from our Pittsburgh bankruptcy lawyer, come to Pittsburgh Bankruptcy Law Group now.

Client Reviews
Mr. Logue came to me for my consultation, which was nice! He helped me better understand my situation so I could weigh my options. He kept me updated on any new information about my case, and I could always easily contact him if I had any questions. I knew I was in good hands, and I got the best possible outcome for my case! Anonymous
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