Chapter 13

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 Law Office. 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 today - 480-921-2993.

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 at 480-921-2993. We return after-hours phone and e-mail  messages promptly the next day.