Are you anxious and stressed out due to excessive debt? Chapter 13 reorganization bankruptcy will help you come out of it. It's greatly helpful if you've got assets, including your car or home, you want to keep and protect from creditors. At the Law Offices of Steven K. Brown, our St. Louis consumer Chapter 13 bankruptcy attorney has been helping individual consumers find solutions to debt situations for the last 35 years.
Living under debt can take a toll on you and your family. With our experience and skills, we'll help you get a new start using Chapter 13 bankruptcy. It'll help you reorganize your debt according to your ability to pay. It will provide you with 3 to 5 year repayment plans to pay off your debt, reduce or eliminate it, or make it current. Chapter 13 uses a means test to establish the unsecured debt percentage you can afford to pay back. If you have secured debts, they'll be made current during the period of repayment, which when combined with automatic stay on every collection activity (a part of bankruptcy in general), will help you fight repossession and foreclosure.
Chapter 13 has many additional benefits, including helping you to lower your car payment, to spread out non-dischargeable tax debt payment, to deal with non-dischargeable student loans through ways that suit your budget. During your financial emergencies like foreclosure of your home or repossession of your car, we'll use emergency filings to stop the foreclosure and repossession. Even in short-notice situations, we can help you stop extreme collection activities.