Cherry Hill Chapter 13 Lawyer Explains the Complexities of Filing for Personal Bankruptcy
Knowing what you are getting into can make the idea of filing Chapter 13 bankruptcy much less intimidating. My name is attorney Joel R. Spivack. I believe in taking the time to prepare you by educating you about the process. Since the Chapter 13 process does stretch out over a long period of time, I want you to know that I will be by your side from start to finish.
What Is Involved in the Chapter 13 Bankruptcy Process? If you and I work together and determine that Chapter 13 bankruptcy makes the most sense in your situation, you will need to provide me with all the information necessary to complete your bankruptcy forms. I ask that you provide as much of this information up front as you can. To make the information-gathering process easier for you, I have provided a checklist.
Before I file the Chapter 13 forms on your behalf, you will have to go through credit counseling and take a means test. The credit counseling requirement is fairly straightforward, and the means test is required to verify that you qualify for Chapter 13.
The focus of Chapter 13 bankruptcy is creating a repayment plan that works for you, and then getting that plan approved by the bankruptcy court. The plan will require that you pay a certain amount each month for three to five years. Despite the length of the plan, filing bankruptcy immediately puts a stop to home foreclosure and repossession processes.
Upon completing the plan, your remaining debt will be discharged. You can be confident knowing that I will stand by your side every step of the way, ready to address any issues that may arise. I am dedicated to helping you make your repayment plan a success.
Schedule a Free Initial Consultation with NJ Bankruptcy Lawyer Joel R. Spivack, Esq.
My office is open weekdays from 8 a.m. to 5 p.m. and offers free parking. Contact me today at 856-488-1200 for a free initial consultation with a Cherry Hill Chapter 13 attorney. You can also contact me by e-mail.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.