Do you ever think, “If only I could just start over and get caught up on my payments, I could stay on top of my bills”? For many people living with a large amount of debt, Chapter 13 bankruptcy is a great option.
At Fox Law, we provide highly attentive legal help to people who just need a fresh start. Through Chapter 13 bankruptcy, we can help you find a repayment plan that you can afford.
A Payment Plan You Can Afford. Call Today.
Would you like to learn more about arranging a payment plan to get current on your debts? Call us today at (615) 264-5695 for a free consultation via phone, in-office, or video conference.
How Do I Know if Chapter 13 Is Right for Me?
Bankruptcy Attorney Eric Fox, has helped many people who have this question. He has 18 years of legal experience and is here to answer your questions and get you on the right path toward financial stability. There are typically two types of bankruptcy for consumers: Chapter 7 and Chapter 13. To be eligible for Chapter 7 bankruptcy, you must qualify under Tennessee’s state median income test. If the test determines you make “too much” money or are above median, and you do not have enough qualified expenses, Chapter 13 becomes your next option. This is called “projected disposable income.”
Did You Know?
Chapter 13 is an excellent tool to stop the foreclosure process. If you are behind on your house payments, Chapter 13 is one of the foreclosure alternatives that can save your home. Chapter 13 is also an excellent tool to save your car from repossession. Our law firm is family-owned, and we know how important a home and a car are to your family. We want to help you keep your valuable possessions.
How Does It Work?
Chapter 13 bankruptcy can take three to five years. As your attorney, Eric Fox presents a payment plan that shows how you will pay off some of your past-due and current debts. The payment plan will be affordable and allow you to pay for your necessities. After the payment plan is fulfilled, the bankruptcy is discharged. You can then move on to living your life after bankruptcy.
There are no upfront costs to Chapter 13 debt reorganization unless it is an emergency case or another special circumstance. Generally, you can pay all attorney and filing fees through your plan.
Contact a Tennessee Attorney About Repayment Plans
Call us today at (615) 264-5695 for a Free Consultation via phone, in-office, or video conference with experienced Bankruptcy Attorney Eric Fox and learn if Chapter 13 bankruptcy is right for you.
We are located in Hendersonville, Tennessee and have been assisting residents all over Middle Tennessee for 18 years. Our office hours are Monday through Thursday from 8:00 a.m. to 5:00 p.m., Fridays 8:00 a.m. to 3:30 p.m., with evening and weekend appointments available upon request.
We are here to help you.