Westchester County Chapter 13 Bankruptcy Lawyer

Is Chapter 13 Bankruptcy Right for Me?

Are you a debtor with a steady income but facing foreclosure or other overwhelming debt? If so, Chapter 13 bankruptcy may be a viable option for you. Through this form of bankruptcy, you can work out a payment plan to repay your non-dischargeable debt as you keep your home and a majority of your assets.

If you are considering pursuing this option, consult with a Westchester County bankruptcy attorney to see if Chapter 13 bankruptcy is right for you. At Bronson Law Offices, P.C., we can inform you of what to expect before, during, and after the process. We strive to provide knowledgeable, dedicated legal counsel and guidance when you need it most.

What Will the Process Consist of?

To successfully file for and complete Chapter 13 bankruptcy, you will need to make scheduled payments to the bankruptcy trustee, usually for a period of three to five years.

The beginning process includes the following:

• File petition with court
• Creditors and debt collectors must immediately stop all collection actions
• An automatic stay will be placed on foreclosure proceedings

Within 14 days of filing your petition, you will need to file information about your finances with the court and submit a repayment plan based upon your "disposable income," or the amount of money you have left over after your bills and necessary expenses are paid. Within 30 to 45 days of filing your petition, your first payment will be due. Upon the successful completion of your payment plan, your debt will be discharged, releasing you from any further obligation.

Obtain Our Committed Legal Advocacy

At Bronson Law Offices, P.C., we understand how stressful and overwhelming this time can be. That is why our compassionate Westchester County bankruptcy attorneys work diligently to help you discharge as much debt as possible while still keeping your valuable assets. You don't have to face your debt alone, let us help you rebuild your life!