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We all go through hard times. Being bankrupt isn’t the end, you can still become debt-free and get the fresh start you deserve. The calls, the fear, and the panic can stop.
As there are different types of bankruptcy, you must first decide whether to file for Chapter 13 or Chapter 7. Chapter 13 might be the best option for you if you have a regular income. Chapter 13 case allows individuals to create a payment plan for their debts. Attorney fees can also be added to this repayment plan.
The debtor can then pay off their debts in installments through monthly payments. The Chapter 13 repayment plan usually spans between 3 to 5 years.
All you need to do is find a Chapter 13 lawyer near you to help you through the bankruptcy process.
Here are some ways you can find a Chapter 13 attorney close to you:
Finding the best bankruptcy attorney or law firm to handle your bankruptcy case can be difficult. You might want to reach out to Chapter 13 attorneys that offer free consultations. That way, you can decide whether they’re the best fit for you.
Here are some things to look out for when choosing a Chapter 13 lawyer for your case:
Look for an attorney who specializes in bankruptcy law and has substantial experience handling Chapter 13 cases. Their familiarity with the complexities of Chapter 13, including the repayment plan, will be crucial to successfully navigating the process.
Many attorneys offer free initial consultations, which can help you evaluate whether they are a good fit. During this consultation, you can ask questions about their experience, fees, and the likely outcome of your case.
Ensure that the attorney provides a transparent and reasonable fee structure. Most Chapter 13 attorneys offer flat fees or payment plans, especially since you are already in financial distress.
Bankruptcy cases often require ongoing communication with your attorney. Make sure the attorney you choose is accessible and responsive. A good attorney will keep you informed at every step and answer your questions promptly.
Chapter 13 cases are handled in federal bankruptcy court, but each district may have different local rules and procedures. A lawyer with experience in your area will be familiar with these specifics and have relationships with trustees and judges, which can be advantageous.
Check for reviews, testimonials, and success stories from former clients. Positive reviews can give you an idea of how the attorney treats their clients and handles their cases.
Your attorney should work to develop a repayment plan that not only satisfies creditors but also sets you up for long-term financial success. They should take the time to understand your financial goals and help you keep as much of your property as possible under Chapter 13.
By focusing on these factors, you’ll be in a better position to choose the right Chapter 13 attorney for your bankruptcy case, helping to ensure a smoother process and more favorable outcome.
When you’re facing financial struggles and considering bankruptcy, choosing the right lawyer is one of the most important decisions you’ll make. One factor that’s often overlooked is location.
Here's why choosing a bankruptcy lawyer near you can make a big difference:
Bankruptcy is a federal process, but each court can have its own local rules, practices, and expectations. A local bankruptcy attorney will know the ins and outs of the court in your area. They’re familiar with the judges, trustees, and local creditors, which can give you an advantage when it comes to understanding what to expect.
Bankruptcy involves a lot of paperwork, meetings, and sometimes court appearances. Having a lawyer nearby means you won’t have to travel far for consultations or meetings. It’s much easier to drop by an office in your city than to drive across the state.
Local attorneys are more likely to provide a personal touch. They live and work in the same community as you, so they have a stake in providing quality service and building a good reputation locally. You'll likely get more direct attention compared to working with a big, out-of-town firm that may see you as just another case.
A bankruptcy lawyer near you will understand the specific economic challenges in your region, whether it's housing market issues, job loss trends, or high living costs. This local knowledge helps them craft a bankruptcy plan tailored to your unique situation, giving you the best chance to get back on your feet.
Being in the same time zone and city means that communication is simpler. You won’t have to deal with long response times, and scheduling meetings or phone calls is much more convenient.
Your relationship with your bankruptcy attorney doesn’t end the moment your case is closed. You may need help with rebuilding your credit, handling post-bankruptcy issues, or simply have questions down the line. Having a Chapter 13 bankruptcy lawyer near you means they’re right there if you need further assistance or advice.
I was stressed out for my own reasons, but Jim was a great lawyer and helped me accomplish what I went to him for. I recommend him if you are looking to file bankruptcy. He definitely knows what he is doing. I basically stressed for nothing.
I would highly recommend Jim to anyone. He was very easy to work with and explained everything and helped the process go smoothly. Made us feel at ease during the whole process. Also answered our question in a timely manner which was very much appreciated.
Jim and his staff were very pleasant to deal with; very helpful in a difficult time. Jim was very thorough in explaining options and made the process as painless as possible. Christina stayed on top of everything, was very helpful and professional. I would highly recommend.
The filing of a bankruptcy is a big decision for anybody. There are many reasons a person, family or business finds themselves in the unfortunate situation that bankruptcy is on the table. Bankruptcy should be a last resort decision, meaning you have tried all other avenues to clear up debt, stay current on mortgage and car payments, and continue to pay basic living expenses like food and utilities. But when does it make sense to file bankruptcy? Here are some ideas to help with your decision.
Filing bankruptcy does not need to mean you failed as a person, family or business. Many times, life events happen that are out of our control. These times are when you need to reach out to get the help you need to recover. Call our Glendale, Arizona bankruptcy office today for a free consultation.
Bankruptcy attorneys in Glendale, representing clients throughout AZ.
DISCLAIMER: NOTHING CONTAINED IN MY BLOG OR ANYWHERE ELSE ON THIS WEBSITE IS INTENDED AS LEGAL ADVICE TO BE RELIED ON. EVERY INDIVIDUAL’S OR COMPANY’S LEGAL NEEDS IS UNIQUE. THE LAW MAY APPLY DIFFERENTLY, DEPENDING ON YOUR SITUATION AND WHAT YOU ARE TRYING TO ACCOMPLISH. ALWAYS CONSULT WITH A COMPETENT ARIZONA LAWYER.
ARIZONA BANKRUPTCY DISCLOSURE: MY LAW FIRM IS IN BUSINESS TO HELP PEOPLE AND SMALL COMPANIES (CREDITORS AND DEBTORS ALIKE) OBTAIN PROTECTION OFFERED BY THE BANKRUPTCY LAWS AND NAVIGATE THE EXTREMELY COMPLICATED PROCESS OF BANKRUPTCY. WE ARE A DEBT RELIEF AGENCY.
DEBT SETTLEMENT DISCLOSURE: WE ARE A DEBT RELIEF AGENCY. WE HELP PEOPLE SETTLE THEIR DEBTS AND WE HELP PEOPLE FILE BANKRUPTCY UNDER THE U.S. BANKRUPTCY CODE. WE OFFER LEGAL ADVICE FOR BOTH DEBT SETTLEMENT AND BANKRUPTCY. MOST OF OUR CLIENTS WHO COMPLETE THEIR DEBT SETTLEMENT PLAN EXPERIENCE SOME DEBT RELIEF AND SETTLEMENT. HOWEVER, THERE ARE NO GUARANTEES THAT ANY SPECIFIC CREDITOR WILL AGREE TO SETTLE YOUR DEBT FOR LESS THAN WHAT YOU OWE, SETTLE YOUR DEBT FOR ANY SPECIFIC PERCENTAGE OF WHAT YOU OWE, OR AGREE TO ANY SPECIFIC REPAYMENT TERMS. PLANS ARE BASED ON 24 TO 48 MONTHS. NOT ALL CLIENTS WILL COMPLETE THEIR PLAN FOR VARIOUS REASONS. WE DO NOT OFFER ANY GUARANTEES AS TO WHETHER ALL OR ANY OF YOUR DEBT WILL BE SETTLED. WE DO NOT ASSUME ANY OF YOUR DEBT AND WE DO NOT OFFER DEBT CONSOLIDATION LOANS. WE DO NOT OFFER CREDIT REPAIR ADVICE OR SERVICES. WE RECOMMEND THAT YOU CONSULT WITH YOUR TAX PROFESSIONAL ABOUT ANY TAX CONSEQUENCES YOU MAY INCUR BY HAVING ANY DEBT FORGIVEN BY YOUR CREDITORS IN A DEBT SETTLEMENT PLAN. WE ONLY PROVIDE DEBT RELIEF AND DEBT SETTLEMENT SERVICES WITHIN THE STATE OF ARIZONA.