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Legal Guidance Filing Chapter 13 Bankruptcy in Mobile

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At Ryan Legal Services, we understand that when debt accumulates, it can be paralyzing. External forces and increasing interest rates can make it difficult to keep up with payments. However, rather than deal with it alone, you should turn to our skilled Mobile bankruptcy attorney who can help you file for Chapter 13 bankruptcy. We understand the stress you are under, which is why we treat each of our clients with the compassion and respect they deserve.

Call us today, and find out how we can alleviate your financial stresses!

What You Should Know About Chapter 13 Bankruptcy

Chapter 13 is often referred to as a “reorganization” bankruptcy. In Chapter 13, the Debtor makes a monthly payment towards a Chapter 13 Plan. In most cases, the Debtor does not have to pay all debts owed. A Chapter 13 case can be filed by a single person or jointly by two legally married persons.

Filed under Title 11, Chapter 13 of the United States Bankruptcy Code, the Plan states a proposed monthly payment which is deducted periodically from the Debtor's paycheck. If the Debtor is not employed, the Office of the Chapter 13 Trustee will provide a means for the Debtor to pay the Chapter 13 Plan payment electronically via the internet each month, or set up an ACH bank account debit for the payment each month.

The benefits of filing for Chapter 13 bankruptcy:

  • You have more time to pay off your debts
  • You get to keep the property you are making payments on
  • It can help you avoid foreclosure
  • Chapter 13 bankruptcy is shown on credit report for only 7 years, rather than 10
  • It helps with the IRS and can even get some of your taxes discharged

At Ryan Legal Services, our Mobile Chapter 13 bankruptcy attorney can explain how to file for Chapter 13 bankruptcy and how it can help your situation. We are available Saturday to clients in Robertsdale, Mobile, and throughout Baldwin County. Additionally, with our 24/7 case access, you can stay up to date with your case.

If you’re ready to discuss your case with our Mobile Chapter 13 lawyer, call (251) 241-5234 today.

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