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Chapter 13 Bankruptcy
Chapter 13 bankruptcy is the most misunderstood, and probably underutilized bankruptcy chapter. Mainly because many people mistakenly think they will be required to pay back ALL their debts. This has never been true, and fact is that most Chapter 13 plans pay only pennies on the dollar to most of the bills you have.
In a Chapter 13 you will pay back only a portion of your debts, as a rule. Many people mistakenly think that a Chapter 13 bankruptcy requires you to pay back all of your debt.
This is not the case, and never has been.
In fact, most of our clients in Chapter 13 bankruptcy pay back only a small percentage of the unsecured debt that they have. Sometimes as little as 1%.
Chapter 13 is most frequently filed for people who want to save their homes but, due to a medical condition or layoff or other interruption in income, they have fallen behind in their payments, and the creditor now refuses to work with them.
Chapter 13 bankruptcy gives you up to 60 months, five years, to pay back the amount of the missed payments. It is also possible to catch up missed payments on automobiles as well.
In some cases, Chapter 13 permits you to pay only the value of the automobile, and not the entire contract price. In the right situation, this can result in a savings of thousands of dollars and you get to keep your car!
Our bankruptcy attorneys will review Chapter 13 options with you if it appears that a Chapter 13 bankruptcy might benefit you more than a Chapter 7, or, if you are not eligible for Chapter 7. Chapter 13 bankruptcy might solve all of your debt problems.
Our Clients Tell Us...
quality Excellent
A friend of mine told me West & Hurley really knew their stuff about bankruptcy and that is why I chose them to represent me. Everyone treated me with dignity. They didn't make me feel any less of myself for filing bankruptcy. They treated me as a valued client. Whenever I had a question, the secretaries were eager to help me. I always felt satisfied and more knowledgeable in my particular situation at the end of the conversation. I think very highly of all the people at West & Hurley and would recommend their services.Diane Parthequality Excellent
Me and my wife went though bankruptcy, it's been 6 months and we have a credit card and a 2012 bought new GMC truck. Richard West and Associates did an excellent job helping us file, and help us get our credit back on track. Our paralegal Lisa, did an excellet job helping us with our paperwork. We highly recomend filing with them, we had tried with a different firm, and they didn't help us in the same way, we are happy we had their help and expertise getting us back on track.Janie Wrightquality Excellent
My wife and I filled for bankruptcy in 2008 with the help of West & Associates. Mr. West told us in our initial consultation that if we followed his advice and stuck to a plan we could rebuild our credit to a better state than it was before we filled. Though skeptical my wife and I worked hard on things like paying bills on time or early and building our credit little by little. By doing things like this and learning from past mistakes we were able to pay off our bankruptcy a year early and raised our credit score to just under 700 points. That is a 200 point difference from our score prior to getting help from West & Associates. We were also able to buy a new car 6 months after discharge with a very low interest rate. So when people tell you that filling will ruin your credit forever it just isn't true.Sherman Thatcherquality Excellent
I would like to thank the West & Hurley team for their hard work. They did an excellent job and were very professional. The staff was friendly and helpful. I will recommend West & Hurley to my friends.Christina Anglinoverall Excellent
It was simply an easy process. They made absolutely sure I fully understood all of my choices. It was vital to me how they wasn't trying to sell bankruptcy since they also told me about other options like credit counseling as well as others. I felt like these people were taking care of My personal best interest...not just trying to find yet another client. I recommend them.A Google User
