In certain instances when a Chapter 7 bankruptcy is not appropriate under the law, a type of bankruptcy known as a “Chapter 13” allows individuals (and sometimes businesses) in debt an opportunity to repay a portion (or in rare cases all) of their debts in manageable monthly payments over a period of 3 to 5 years. After making the required payments over the applicable time period, an individual’s dischargeable debt will be eliminated. At Hiepe Law, we can advise you and aid in developing a repayment plan (“Chapter 13 Plan”) appropriate for your monthly income.
By filing a Chapter 13 bankruptcy, you usually will not be required to liquidate or give up your assets. You use your income to repay your debts (in whole or in part) through the Chapter 13 repayment plan while keeping your non-luxury assets.
Chapter 13 attorney, Randall Hiepe, will advise you on whether or not you qualify to file Chapter 13 bankruptcy.
Hiepe Law will help you to analyze your monthly income, monthly expenses and other relevant factors so that a customized Chapter 13 Plan can be prepared for you.
Randall Hiepe and his team will propose your repayment plan to the Bankruptcy Court and the Chapter 13 Trustee with confidence, negotiating strongly on your behalf.
“Chapter 13 experience. Mr Hiepe's help through the whole bankruptcy procedure was amazing. I was always informed on what i needed to know and a very difficult time in my life was made easier. I was able to keep my house and I'm coming to the end of this situation. I would gladly recommend him to anyone who needs a bankruptcy attorney.”
(Prospective Clients may or may not obtain the same or similar results.)
Is bankruptcy a better way to handle my unwanted debts than utilizing a credit counseling agency or debt management company? Keep reading.
Answer – No, but.. keep reading what section 1 of the 13th Amendment to the US Constitution states. Keep reading.
There are reasons other than irresponsibility why people get into debt. These reasons can be a loss of employment, injury, medical bills, divorce and beyond. Keep reading.
No matter how you are struggling financially, Randy Hiepe is ready and waiting to learn your story and assist you in a way that will be most beneficial for you. We limit our practice to bankruptcy and debt resolution, but most importantly, we understand that your attorney should be an advocate. Our genuine and compassionate desire to assist you will be evident in the way we communicate with our clients in a respectful and competent manner.Learn More About Us
Contact us today so that we can help. Randy Hiepe and his professional staff at Hiepe Law are eager to listen to your concerns and learn your story. We promise to give you the attention that you deserve and develop personalized solutions that will be the most effective – all we need is your name and contact information. We look forward to discussing particulars and helping you achieve a bright financial future. There’s no need to struggle and suffer beneath mountains of debt when we are available. Contact us now.