Keep Your Home, Car & Wages Through Chapter 13 Bankruptcy
Is time running out? Are you facing foreclosure, repossession or garnishment? Is the loss of your job causing you to fear the loss of your home?
Do you lie awake at night, wondering where the money will come from, to pay your bills?
Has your paycheck been reduced because your hours have been cut at work or are you being threatened by creditors intent on garnishing your wages?
You still may be able to save your home from foreclosure, stop that repossession and even lower your car payment while eliminating or reducing your credit card, medical or other debt. Imagine full court protection with affordable attorney’s fees that must be approved by the Court and paid over time through your Chapter 13 Plan. Those financial troubles can be stopped instantly by filing a Chapter 13 bankruptcy. No one knows this better than the Berkley Bankruptcy Attorneys in Tempe. I will personally show you how Chapter 13 bankruptcy will work for you.
Chapter 13 reorganization bankruptcy can keep you in your home and protect your possessions. Attorney Martin J. Berkley can show you how. Martin J. Berkley has successfully filed thousands of bankruptcy proceedings in Arizona alone since 2001.
For more information about how a Chapter 13 consumer bankruptcy filing can help you, contact us. Arrange your free consultation by calling toll-free, 1-480-921-2993.
The Berkley Law Office — Helping People Like You for More Than 30 Years
Chapter 13 bankruptcy protection allows you to formulate a repayment plan. It gives you time to make good on your obligations under the protection of the bankruptcy court.
This method is referred to as a “wage earner plan”. Your payment is based on your disposable income: your total net income less your ordinary and necessary living expenses. The term of your plan will vary between 36 and 60 months, depending upon the individual circumstances of your case. It also takes into account all of your debt including secured, priority and unsecured debt. Your Chapter 13 Plan payments are made to a “trustee” who then makes payments to your creditors on your behalf.
Chapter 13 allows you to keep your property, bring your mortgage current over time, and pay off your vehicles and priority taxes while still discharging your credit cards, medical and other debts. You may also be able to protect the equity in your home by “stripping off” your second mortgage if you qualify.
Lawyer Martin J. Berkley has practiced bankruptcy law exclusively since 1990, including Chapter 13 bankruptcy. He knows the law, the courts, the system — and best of all, he has the knowledge and experience to use Chapter 13 bankruptcy to your greatest advantage. Martin J. Berkley will personally evaluate your case and recommend a course of action. He feels compassion for your situation. He brings that compassion to our offices every day.
Imagine it: instant debt relief; a daily routine free of worries, sleepless nights and creditor harassment. With the help of our Berkley Law Office in Tempe, that brighter future is well within your grasp.
Contact us today for your peace of mind and to reserve your free initial consultation.
Clients in greater Phoenix and Maricopa County, Arizona can reach us by toll-free call. 480-921-2993. We return after-hours phone and e-mail messages promptly the next day.