Chapter 13

If you need a Chapter 13 Bankruptcy, you can take advantage of our "$40 To File" Program. All you pay to our office is $40 to file your Chapter 13 Bankruptcy! We use the $40 to pay for your required Credit Counseling Certificate and Debtor Education Certificate. If you are a first-time Chapter 13 filer, or if you have filed before and always paid your Court Filing Fee in full, then you qualify for a "$40 to File" Chapter 13 Bankruptcy.

Chapter 13 bankruptcy is designed primarily for individuals who wish to keep certain assets by paying back the debt on a more manageable payment schedule. It is also available to people who fail to qualify for Chapter 7 because they have either filed Chapter 7 too recently or they make too much.

Through this reorganization, debtors submit a plan to the court showing how they will pay back the loan over a period of time. Many times the terms of the loan are drastically modified to a place where the debtor can feasibly pay off the debt. Once the court approves the proposed payment plan, the individual can begin paying down the debt.

Chapter 13 does not require you to pay all of your unsecured debt. In fact, a Chapter 13 can get rid of unsecured debt just like a Chapter 7 does. Unlike Chapter 7, however, Chapter 13 provides a mechanism for keeping items such as a house or car that are secured by debt that is not paid current. The Chapter 13 Plan can either be used to catch up contractual payments or to completely restructure the debt with lower payments and in most cases, a lower interest rate.

Madison County Debt Reorganization Attorneys

At Dezenberg & Smith, Attorneys At Law, we are committed to helping you find the solutions that best suit your needs, both now and in the future. If Chapter 13 bankruptcy helps you achieve your long-term goals, we will guide you through that process, helping to ensure that all details are accounted for. Your best interests are always the focal point.

As your attorneys, we will direct the process of modifying the payment plans to create a more manageable schedule that will allow you to get back on track with your payments. This reorganization can be complex, requiring representation that understands the process.

Once you file for bankruptcy, a stop is placed on all foreclosure and repossession efforts. This, coupled with the new payment plan, is what many people need to get back on track with their payments.

To arrange a free initial consultation to discuss your loan and how a Huntsville Chapter 13 attorney can help you escape the financial crisis you face, please contact our Alabama law firm today at 256-715-9915.

Reviews

  • "Mr. Dezenberg is very professional and friendly. My husband and I didn’t feel rushed. He explained the process in detail, and he made us feel really comfortable." - Leticia

    "Mr. Dezenberg was the nicest and most helpful lawyer I’ve ever met." - Melissa

  • "several other attorneys that I asked, who don't practice this type of law, recommended him." - AJ

    "John has represented me on more than 1 occasion and with excellent results." - Donna W.

  • "Not only is he very competent, but he is always responsive and he really cares about his clients." - Phil G.

    "John is one of the best bankruptcy attorneys in North Alabama." - Eric Artrip

  • "I never felt rushed at my appointments. I would highly recommend him to anyone who needs a bankruptcy attorney." - Lisa

    "His vast experience of the law makes him a powerful advocate for his clients." - Thomas Jarvinen

  • "He was very open and honest and to the point. I would recommend him any day of the week." - Tina

    "He was very professional, not once did he talk down to me nor made me feel bad about myself." - Gloria L.

  • "Brandon gave me the legal advice I needed. He is very knowledgeable and answered every question I asked him." - Celeste

    "I would recommend Brandon Smith to anyone that needed a great Bankruptcy Lawyer." - John W.

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  • AVVO Rating 10.0 Superb - Top Attorney Bankruptcy
  • Avvo Clients' Choice
  • NACBA - National Association of Consumer Bankruptcy Attorneys
  • NAFBA
  • 10 BEST 2014 | CLIENT SATISFACTION AWARD | American Institute of Bankruptcy Attorneys