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Cumming Chapter 13 Bankruptcy Lawyer
Restructuring and Managing Debt With Chapter 13 Bankruptcy
In this economy, many people fall behind on their debts due to circumstances beyond their control. Job loss, medical bills and divorce or other legal challenges can make it difficult to remain current with your monthly payments. However, if you think that with assistance you would be able to repay some of your debt over three to five years, Chapter 13 bankruptcy might be the right solution for you.
Chapter 13 bankruptcy is a method of restructuring debt that allows individuals to make monthly payments to a trustee who will pay your creditors over a three to five year period. As long as all payments are made on time, most remaining debt is forgiven at the end of that time period.
If that sounds like a method in which you would be able to effectively resolve your debt, an experienced Cumming Chapter 13 bankruptcy attorney can help. I am Marcus A. Rosin, P.C., and I have experience helping individuals work hard to rebuild their financial future and gain a fresh start.
Using Alpharetta Personal Bankruptcy to Keep Your Possessions
One of the things many people worry about when they consider bankruptcy is whether they will be able to keep their property. When you file a Chapter 13 bankruptcy, you may be able to keep assets of significant value or equity. This includes your household goods and items, home, car and retirement accounts. If you are behind on your payments for any of these assets, Chapter 13 bankruptcy takes the past due payments and includes them in your monthly trustee payments.
When you file a Chapter 13 bankruptcy it is important that you have enough income to make both your monthly trustee payments and any current payments on secured assets that you want to keep, such as your home and car. When individuals contact me, I help them determine the most effective time to file bankruptcy.
Learn more about the options you have available and the debt relief that could be in your future. Schedule your free initial consultation with an experienced lawyer to discuss the specifics of your situation and find the solution that is best suited to meet your needs. I can be reached online or by calling 678-648-1667.
