J. Brian Allen, Attorney At Law
Chapter 7 And 13 Bankruptcy Representation In Northeast Texas

Regain Control With Chapter 13 Bankruptcy

Families that are shouldering significant credit card and medical debt may wonder where they can turn for help. Chapter 7 bankruptcy is an effective solution, but it is typically limited to lower-income households. For those individuals who do not qualify for Chapter 7, Chapter 13 bankruptcy may be worth considering.

At my Sulphur Springs office, J. Brian Allen, Attorney At Law, I will work to restructure your debts and create a plan that reflects your goals. I have helped thousands of people throughout northeast Texas eliminate their debts and get them the fresh start they deserve. As a lawyer who practices bankruptcy exclusively, I can offer highly capable knowledge and analysis for your case.

How Does Chapter 13 Work?

Instead of discharging your debts, which is how Chapter 7 operates, Chapter 13 bankruptcy is a reorganization of unsecured debt, secured debt and back taxes. Under a Chapter 13 plan, the debtor must make payments to a trustee for 36 to 60 months, depending on the specifics of the plan. At the end of the plan, any remaining debts will likely be fully discharged.

My Goal Is To Help You Stay In Your Home

One of the biggest worries people have is that they will lose their home if they file bankruptcy. In addition to helping resolve your debts, Chapter 13 bankruptcy allows you to stop foreclosure proceedings while making these payments. When you file, you have up to five years to become current on your mortgage while preventing a possible foreclosure sale.

I understand how important your home and your possessions are. My passion is to help my clients protect their assets and secure their futures while stopping creditor harassment in a safe, compassionate atmosphere.

Speak with an attorney who has over 20 years of bankruptcy experience about your situation by scheduling a free consultation today. Contact my office online or call 903-689-4404.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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