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A Chapter 13 is reorganization, repayment program through the court. It is a way of legally stopping creditor actions (i.e., harassing phone calls, garnishments, vehicle repossessions, foreclosure, etc.) and setting up repayment terms with your creditors. Through the Chapter 13 process, our lawyers will develop and submit to the court a customized repayment plan that fits your circumstances. The purpose of the plan is to get you back on track with your creditors and set up reasonable repayment terms to allow you to protect your property, such as a home that is in foreclosure. A temporary disruption in income (i.e., due to medical reason or layoff from work) or changes in circumstances (i.e., divorce, loss of overtime, etc.) are the primary reasons we see our clients filing for protection under Chapter 13.
Filing for Chapter 13 is nothing to be ashamed of. Good people often find themselves in tough circumstances that they did not anticipate and this program is designed to provide a personal strategy to pay back debts in a reasonable manner and timeframe.
First of all, we would like to thank you for all you guys have done. I appreciate the honesty, dedication and passion that you guys exhibited towards our case and answering my questions in a fast and complete manner. Given the situation, I know now I made the…
Prior to filing a Chapter 13 Reorganization, one of my biggest concerns was “how will this affect my credit?” After talking with one of the attorneys at Acclaim Legal Services, they showed me that a Chapter 13 would allow me to consolidate my bills based on my…
I wanted to take a few moments and offer a sincere THANK YOU for all the hard work that everyone at Acclaim Legal Services has done so far on my Chapter 13 Bankruptcy case. As you know, this process has a lot of emotional attributes for the filing person and is not a position I ever foresaw.
Since…
Acclaim Legal Services staff was outstanding! Turnaround time was usual within 24-36 hours in response to a question! The Attorneys give you good advice and really care about their clients! High recommendation given!