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File Chapter 13 Bankruptcy For Debt Relief

Experienced Bankruptcy Lawyer

If you have large amounts of debt and are having trouble paying your bills, you are not alone. Economic hardship has driven many Texans to the brink of despair with no hope in sight. However bleak your situation may seem, you do have debt relief options. Filing bankruptcy can enable you to get debt relief and a fresh financial start.

The Law Office of Michael J. Pledger, with offices in Austin and Sugar Land, has extensive experience in Chapter 13 and Chapter 7 bankruptcy cases. We work hard to help our clients obtain maximum debt relief while enabling them to keep all property. For a free consultation, call us at 512-634-8404 .

How Chapter 13 Bankruptcy Works

If Chapter 13 is right for you, we can handle all aspects of your case for a reasonable fee. When we file your Chapter 13 bankruptcy petition, it will trigger an automatic stay that stops foreclosure, repossession, garnishment and collection actions. This will give us time to develop a debt relief plan designed to reduce your debts and keep your property.

With Chapter 13, you receive an affordable three-year or five-year debt repayment plan. At the end of that period, your remaining unsecured debts are discharged, including credit card debts, medical bills and personal loans. In the vast majority of cases, people filing Chapter 13 can keep their home and all other property.

When Is Chapter 13 Preferable To Chapter 7?

For many debtors, filing Chapter 7 bankruptcy provides more benefits than Chapter 13. With Chapter 7, you can completely eliminate unsecured debts and your case will be resolved in months rather than years. However, Chapter 13 bankruptcy may be a debt relief option for you if you do not meet the income threshold for Chapter 7. It can also be preferable to file Chapter 13 if you are behind on your house payments or car payments. Michael J. Pledger can review your situation and discuss your debt relief options.

Free Consultation — Contact Our Firm

Contact us today to schedule a free initial consultation with an experienced Texas Chapter 13 bankruptcy attorney.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. And have proudly done so since 1979.

Contact Our Firm