Using Chapter 13 To Get Out Of Debt

We are the debt relief attorneys of Edwin M. Shorty Jr. & Associates, in New Orleans, Louisiana. There are many benefits to Chapter 13 bankruptcy that we want you to know about.

Learn About The Benefits Of Chapter 13

For people who don't qualify for Chapter 7, or who just need more time to pay off their bills, Chapter 13 debt consolidation is often a better option. By filing Chapter 13, you can:

  • Keep your house by, including your mortgage payment and avoiding foreclosure
  • Avoid repossession of your car by reaffirming to continue making your car payments on time
  • Strip off a second mortgage on your home, if your mortgage is "under water"
  • Include your student loan payments to stretch out the amount of time for repayment
  • Include all government debt, including Small Business Administration loans and taxes
  • Include debt for alimony arrears
  • Include all medical bills
  • Include gambling debts

Other Intangible Benefits

Upon completion of your three- to five-year repayment plan, supervised by a bankruptcy trustee, all of your debts will be eliminated. Chapter 13 is the one certain way to get out of debt and stay out of debt while you are under the supervision of the courts. For millions of Americans, it has given them the fresh start they need with a monthly payment that may be smaller than their accumulated monthly bills.

Stop Creditor Harassment And All Legal Actions Against You

The day you file Chapter 13, all creditor collections actions must stop. Imagine answering the phone in the evenings or going to the mailbox without worrying about threatening collections calls and letters. You can stop wage garnishment, liens, repossession and foreclosure actions in their tracks.

Learn More By Contacting One Of Our Debt Relief Lawyers

Call our offices at 504-207-1370 or contact us by email to arrange a free initial consultation about your Chapter 13 bankruptcy filing.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.