Chapter 13 Bankruptcy Attorney in Rochester, New York
If you are overwhelmed with debt, but earn a steady paycheck, Chapter 13 bankruptcy may be right for you. At the Law Offices of Kenneth Gallant, I have over 30 years of experience helping people through the Chapter 13 bankruptcy process. My goal is helping you get back on your feet, so you can enjoy a fresh financial start.
Contact my law firm today online or by telephone at 888-881-8916 to speak with an experienced New York Chapter 13 bankruptcy lawyer. For your convenience, I have law offices located throughout the Rochester, New York, area.
The Wage Earner Plan
Chapter 13 bankruptcy is often known as a "wage earner plan" because it allows people with a steady income, including from a job, Social Security, child support or any other source of regular income, to pay off their creditors at a reasonable pace and ultimately discharge their debt, while keeping their house and other valuable assets. Chapter 13 is basically a deal made between you and your creditors, with the bankruptcy court acting as a facilitator. The benefits of filing for Chapter 13 bankruptcy include:
- Stopping creditor harassment
- Avoiding foreclosure
- Avoiding car repossession
- Reorganization of your debt
- It stops interest and finance charges
Additionally, it is possible to get your debt reduced through Chapter 13 bankruptcy. You will have from 3-5 years to pay your creditors and the court will determine how much of your total debt you will be required to pay. Many clients pay as little as 20%, but your debt relief will depend on your particular circumstances.
As your bankruptcy attorney, I will help you with all of the legal details involved with filing and attend any necessary court appearances with you. If circumstances such as job loss disrupt your ability to stick with your bankruptcy plan, I can help you pursue modifications to the terms of your arrangement.
Call Today for Your Free Initial Consultation
If you are facing overwhelming debt, I can help you file for Chapter 13 bankruptcy. Contact my law firm today online or by telephone at 888-881-8916 to speak with a knowledgeable New York debt relief attorney. I offer free initial consultations and reasonable rates. I will meet with you personally in one of my conveniently located law offices.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
