We Can Answer Your Chapter 13 Bankruptcy Questions

With offices in Erlanger and Dry Ridge, Kentucky, the attorneys at C. Ed Massey & Associates will guide you through the Chapter 13 bankruptcy process. For over 20 years, we have served clients throughout Kentucky, Indiana and Ohio. We understand that the emotional toll of declaring bankruptcy is often as difficult to deal with as the financial aspects for many of our clients, and we are here to help.

The truth is that most people are driven to bankruptcy because they are laid off, disabled or have expensive medical costs that destroy their finances. And because our government and our nation recognize that sometimes life destroys good intentions, bankruptcy is a legal tool to help protect a person’s most important possessions while rebuilding his or her wealth.

Chapter 13 bankruptcy is a smart option for many business owners with heavy debt. If his is your situation, contact us to discuss your situation. We may be able to advise you with regard to avoiding bankruptcy. If filing for bankruptcy is the right option for you, we can guide you skillfully through the process.

What Happens In A Chapter 13 Bankruptcy?

In a Chapter 13 bankruptcy proceeding, clients get relief from crippling debt and assets like the primary home, primary cars, retirement accounts are usually protected.

In many cases, credit card debts and personal loans are reduced or discharged. If the debts are reduced, the clients are usually placed on a repayment plan that allows them to pay their debt down at reasonable and manageable rates. In most cases, as long as you continue to make payments, the leftover debt after the payment period ends is fully discharged.

In a Chapter 13 bankruptcy, the phone calls and harassment stop, you can get lower monthly payments and a concrete opportunity to protect your most important assets. The minute you retain our firm and we file your Chapter 13 bankruptcy petition, the bank’s foreclosure proceedings, repossessions and garnishments are all forced to stop. There are many reasons that clients file a Chapter 13 bankruptcy instead of a Chapter 7. For instance, we have helped clients file Chapter 13 bankruptcy petitions when:

  • They have already filed a Chapter 7 bankruptcy within the last eight years
  • They make too much money to qualify for a Chapter 7 bankruptcy
  • When they want to keep their homes

Can I Keep My Home In A Chapter 13 Bankruptcy?

In most cases yes. Clients are often able to keep their homes through the use of court-approved bankruptcy repayment plans. Chapter 13 bankruptcy petitions are appropriate for clients seeking to keep their homes even if they have failed to make some mortgage payments.

Since the petition stops foreclosure proceedings, the court-approved repayment plan allows you to repay past-due mortgage payments. We use our extensive experience in bankruptcy law to maximize your legal protections and keep you in your home.

Get Help Today

Our lawyers have decades of experience helping clients petition for Chapter 13 bankruptcy throughout Kentucky, Indiana and Ohio. We are committed to helping clients reclaim control of their finances. For a free case evaluation, call 859-905-0936 or email us online to begin getting out of debt today.

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