Chapter 13 Bankruptcy

Chapter 13 Bankruptcy

Chapter 7 Bankruptcyr
Chapter 13 Bankruptcy
Are you being harassed by aggressive collectors? Are they making rude and embarrassing phone calls and sending threatening letters? Are you worried what is going to happen to you, your family , your home and your property? Isn’t it time to call a trusted and qualified Bankruptcy Lawyer?  

What is Chapter 13 Bankruptcy

Chapter 13 Bankruptcy is a great solution for debtors whom have over exempt assets or excess income. In Bankruptcy, sometimes you cannot qualify for a Chapter 7 becuase you either have excess income and can pay someting back or you have over exempt assets. What is excess income? Excess income is when your income depending on your household size is higher than what the IRS standards are as reported by the Department of Justice, and also takes into consideration your normal living expenses. You may not have excess income but you have personal or real property that you want to keep which are not exempt. Some assets are exempt  like the home you live in., so you dont have too worry about that, but lets assume you have an investment property that has equity. In that case you could still keep the property but you would have to pay over a five year period whatever equity the unit had. Chapter 13 is also a great tool to cram down a secured debt. For example if you have owned for more than 910 days and are making monthly payments, you will be able to cram down this vehicle to the current value. So lets say you bouhgt it for 20K and you were still owing 14K after the 910 days. Lets also say the car is only worth 5k. So in a Chapter 13, we would pay to the creditor the current value of the car plus 5.25% interest over a five year period and the creditor would be oblligated to write off the difference. The same occurs with homes. So if you have gotten behind in your home orother assets, its a good idea to consult with us for alternatives. By  taking the free interview offer with us, we can help you determine if a Chapter 7, Chapter 13 or other Bankruptcy Alternative is the best choice for you. As an Attorneys I have helped people just like you get our from under the burden of debt and achieve a financial fresh start.

Call me at 3058173677

  Check Here for more information   It is time to call Andres Montejo for your free consultation to STOP those harassing activities from unscrupulous collection agencies, they are illegal and YOU have rights!! Many of you are very afraid of what will happen to your lives as a result of your difficulties in keeping up with your obligations. Some of you are even losing your homes to foreclosure. People don’t know where to turn in order to get proper advice. I have been helping many clients like you get through these hard times. I will take all the necessary time to speak to you and explain the pros and cons of all the alternatives available to you. Let me help you clarify your options with good honest advice. Bankruptcy happens; it’s a hard fact of life. That doesn’t mean you need to lose your property over it. I will defend you and your family and make sure that you understand your rights. Don’t let bankruptcy defeat you. Defend your legal rights with my help. Call today for a free consultation! Feel free to surf this site for information related to this topic.

Bankruptcy Law Center of Andres Montejo

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