Chapter 13 bankruptcy allows you to keep all of your personal property, including your vehicles, home, and business, in exchange for paying back a percentage of your debt over 3-5 years. The repayment plan has to be approved by the court, through a confirmation order. Creditors and the trustee will normally object, but with skilled representation, these objections can be overruled.
Best of all, in Chapter 13 you can reduce interest rates, and the attorney fees can be paid in the plan, often making the Chapter 13 payment cheaper than your current payments.
We confirm more cases than COVID. Call us at 720-515-9887 to evaluate your options, free of charge.
Our Chapter 13 bankruptcy attorney will walk you through the entire process, from outlining your options to representing you in hearings and meetings. We can also help you gather and file paperwork. To file, you'll need to provide a list of: