Managing Your Debt With A Chapter 13 Bankruptcy
Are you getting nasty calls from debt collectors? Did a serious injury or illness create a mountain of medical debts you can’t pay? A job loss, divorce or family emergency can quickly derail your financial future.
All is not lost, and you don’t have to suffer through this difficult time forever. At Hawley & Associates, LLC, in Prattville, we understand how debt can get out of control, whether it was through your actions or someone else’s. With years of professional experience helping individuals and families like yours — as well as some personal experience — we know how you feel, and we can help you.
What Is A Chapter 13 Bankruptcy?
Unlike a Chapter 7 process, which wipes the slate completely clean by liquidating assets and erasing dischargeable debts, Chapter 13 provides you an opportunity for debt reorganization, a bankruptcy process that allows you to keep many of your assets — such as your home and car. Some may think of it as an asset protection plan or a foreclosure defense.
No matter how you like to view it, we will help you understand your options and provide you with the best solution for your situation.
Guiding You Skillfully Through The Process
If a Chapter 13 bankruptcy is your preferred option and you qualify for reorganization, our experienced bankruptcy lawyer will guide you through the often-complicated process, including:
- Filing a petition with the Alabama bankruptcy court
- Providing required financial documentation to the court
- Setting up a repayment plan
- Implementing your plan
Although the repayment process can take a number of years, the additional time makes it possible for you to afford your bills and pay them all off.
Contact Us Now For A Free Consultation And Stop Those Collection Calls
Don’t believe everything you see and hear about bankruptcy. Let us help you dispel common myths and understand your real options. Schedule your free initial consultation with an attorney today by calling us at 334-595-8114 or by contacting us via email.
We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.