At Vidmer Law Offices, we represent clients in all bankruptcy matters, including Chapter 13 bankruptcy petitions. Chapter 13 bankruptcy can help you resolve your financial difficulties and get back on track. If you are behind on car or house payments and need options, call us or contact us by e-mail today.
What to Expect
In a Chapter 13 bankruptcy, we will help you establish a plan whereby you make payments on a monthly basis for up to sixty months to a case administrator known as a Trustee. Depending on your situation, you may be required to pay only a fraction of your total debt. We can help you understand whether Chapter 13 bankruptcy is right for you.
Why Chapter 13 Bankruptcy
This form of bankruptcy may be right for you for any number of reasons. You may not qualify for Chapter 7. You may have debts, such as child support arrearages and IRS debt that cannot be discharged in Chapter 7. You may have filed for bankruptcy previously and be ineligible for Chapter 7. Finally, Chapter 13 bankruptcy might be the right choice for you if you want to make up arrearages on your home and stop a foreclosure.
If you own a home, and simply need time to make up missed payments while resuming your normal monthly payment, this plan allows you to make up the missed payments over a period of 36 to 60 months. During your free initial consultation, we can discuss whether bankruptcy is the best option for you and which chapters of bankruptcy you qualify for.
When contacting an attorney, most people are worried about what assets they will keep after the bankruptcy. Typically, my clients have been able to keep all of their property, both real estate and personal property. Of course, if there is a lien or mortgage on the property, and you want to keep it, you must continue to make the payments and reaffirm the debt.
Our Service
The service we provide does not stop with discharge of debt and the fulfillment of the payment plan. We make sure the credit agency reports everything correctly after you receive the discharge. We can protect your interests every step of the way. To schedule a free initial consultation to discuss your situation, contact us by e-mail or call us at 270-908-0131 (Paducah area) or 270-908-0132 (Murray area). We offer evening and weekend consultations, by appointment.
