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If you live in Texas, near Houston or Dallas, and need to immediately stop foreclosure on your home, repossession of your automobile, eviction from your apartment, or garnishment of bank accounts or salary from your job, Federal Bankruptcy Law provides help called Chapter 13 bankruptcy.
What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy is for people who have a regular income, but need to have their debts reorganized so they can make payments on terms favorable to them, not the creditors.
This type of bankruptcy filing can help you get caught up on your mortgage or car payments without losing your property, and can even help with money owed to the IRS.
If you're in Houston and considering bankruptcy, filing Chapter 13 bankruptcy may be your best solution.
Struggling with debt but have income? Our Houston Chapter 13 bankruptcy attorney creates repayment plans to eliminate debt and stop creditors. Call 713-686-2222 now.
Under Chapter 13 bankruptcy, we will help you with your plan to pay creditors over a 3- to 5-year period. This written plan details all the transactions that will occur during the duration of your repayment plan.
Your creditors will no longer be able to attempt to collect on your debt except through the bankruptcy court. In general, you'll get to keep your property, and your creditors will receive less money than they are owed.
You'll be allowed to get caught up on your payments—mortgage, car loan, and more—without the threat of foreclosure or repossession, and you'll be allowed to keep both exempt and nonexempt property.
Your property is protected from seizure from creditors, including mortgage and other lien holders, as long as the proposed payments are made and necessary insurance coverages remain in place. If you're facing foreclosure or repossession in Houston, a Chapter 13 bankruptcy attorney in Houston can help guide you through this process.
A Chapter 13 bankruptcy stays on your credit report for 7 years from the date of filing, unlike a Chapter 7 bankruptcy, which stays on your credit report for 10 years from the date of filing.
A bankruptcy might make credit less available and/or terms less favorable, although having too much debt can also have the same effect. For residents of Houston, filing Chapter 13 bankruptcy can be an effective way to protect your assets and regain financial stability.
How Can Keeling Gutierrez Help You With Chapter 13 Bankruptcy?
As an experienced Houston Chapter 13 bankruptcy attorney, Keeling Gutierrez has been helping Houstonians since 1986 with successfully filing Chapter 13 bankruptcy. We are committed to helping individuals take control of their financial situations and protect their property from foreclosure, repossession, and creditor harassment.
During your free consultation, we will meet with you to assess whether filing Chapter 13 bankruptcy is the right solution for your challenges or if there's another option that better fits your needs.
Our skilled attorneys will work closely with you to ensure every requirement is met for a smooth bankruptcy filing, keeping your assets safe and providing peace of mind. To learn more about Chapter 13 bankruptcy in Houston, reach out to us today.
Why Choose Keeling Gutierrez for Your Chapter 13 Bankruptcy?
Since 1986, Keeling Gutierrez Debt Relief Attorneys has guided countless individuals through the complexities of filing Chapter 13 bankruptcy in Houston. With decades of experience as trusted Houston Chapter 13 bankruptcy attorneys, our team understands the financial stress you are under and is here to help you find the best solution to your debt problems.
We'll walk you through the entire bankruptcy process, explain your repayment options, and ensure that all steps are followed properly to avoid delays or complications. Our goal is to provide personalized guidance and compassionate legal support to help you rebuild your financial future.
Contact Us
For a free consultation and evaluation of your financial situation, contact Keeling Gutierrez today at 713-686-2222, or fill out the form on the right.
Let our experienced team of Houston Chapter 13 bankruptcy attorneys help you navigate the process of filing Chapter 13 bankruptcy in Houston, so you can take control of your finances and protect what matters most. Don't wait—call us now!
