Reorganize Your Debts With Chapter 13

A Chapter 13 bankruptcy may be a viable option for individuals and families seeking to protect their home, prevent foreclosure, stop auto repossession, or pursue debt consolidation options. Chapter 13 will assist you in eliminating unsecured credit card debt, and to reorganize and reschedule payments for other debt that may not be eliminated, such as taxes, home arrearages, car arrearages, to protect those assets. Many people file for a Chapter 13 when they do not qualify for Chapter 7.

At Gillespie & Murphy, P.A., our Chapter 13 bankruptcy lawyers are experienced in helping our clients obtain the financial relief that they need and deserve.

If you need legal advice on a debt elimination and reorganization plan, we can help! We understand your situation, and we can assist you in getting the peace of mind and fresh financial start you deserve. Contact us for a free consultation today.

We can assist you with any of the following:

  • Foreclosures
  • Repossession
  • Debt relief
  • Employment and layoffs
  • Medical calamities
  • Credit card overload
  • Creditor harassment
  • Judgments
  • Tax collection and wage garnishment
  • Property liens and tax liens

Chapter 13 Debt Relief

Our attorneys know that bankruptcy may become necessary for anyone, regardless of economic status. Common "triggering events" for bankruptcy include: Divorce, separation, car accidents, illness, loss of job, loss of hours or the failure of a family business. Any of these or a combination of them can bring about serious financial disruption and staggering amounts of debt. However, Chapter 13 bankruptcy can provide immediate relief from the overwhelming pressures of dealing with the financial aftermath of these triggering events and the ensuing creditor harassment. We can help you through the entire debt management process from start to finish, and help you get a fresh start.

Chapter 13 – Reorganization of Debts

Chapter 13 offers the same advantages to both individuals and small businesses as Chapter 7. It can help you stop foreclosure, stop repossession, recover a repossessed car, end wage garnishment, stop creditor harassment, and eliminate credit card debt. At the same time, Chapter 13 provides a manageable debt elimination and reorganization plan that allows you to keep your hard-earned assets.

Save Your Home And Keep Your Car

The greatest advantage of a debt repayment plan is that you will normally be allowed to keep your car, safeguard your home, and maintain other significant assets. Your debts will still be discharged and your creditors paid in smaller monthly installments from your own future-earned income. Remember that no form of bankruptcy will discharge alimony, child support, or most student loans, but may provide a way to reorganize these debts.

Contact Gillespie & Murphy, P.A., to schedule a free consultation at our New Bern, Wilmington, Greenville or Jacksonville, North Carolina, offices. We are attorneys that help prevent repossession with the dedication and experience to help you quickly obtain the relief you need through Chapter 13 bankruptcy.

We are a debt relief agency under the United States Code. We help people file for bankruptcy relief under the Bankruptcy Code.