Knowledgeable Chapter 13 Bankruptcy Lawyer
Chapter 13 bankruptcy allows you to restructure, and reduce your debt. It can also help you keep your home, your car and other valuable assets. At Laura Kincheloe, PLLC, I have been practicing law for over 15 years and have helped numerous people throughout Kentucky realize the powerful protections of the Bankruptcy Code.
Contact my law office today at 866-716-7956 to speak with an experienced Kentucky Chapter 13 bankruptcy attorney.
Chapter 13 Basics
At Laura Kincheloe, PLLC, I help my clients with all aspects of Chapter 13 bankruptcy. Chapter 13 bankruptcy is intended for people who make a steady paycheck and are able to adhere to a monthly payment plan to pay down their debt. Key advantages to Chapter 13 bankruptcy include:
- Stops foreclosure, wage garnishment, creditor harassment and repossession
- Restructures out-of-hand debt into a manageable payment plan
- Allows you to keep your real estate and other significant property
- Typically reduces unsecured debt: People who file for Chapter 13 may pay back anywhere from 0% to 100% of the total amount of unsecured debt owed.
The payment plan mandated by a Chapter 13 bankruptcy spans a period of three to five years. As an experienced bankruptcy attorney, I will help you at the initial filing and through the court process, but will also be here for you at any time during the repayment period.
If circumstances affect your ability to make payments, such as job loss or health care problem, I can ask the court to suspend or modify your payments to accommodate your circumstances. In these cases, the federal government is quick to grant permission, but very reluctant to grant forgiveness. Having your issues handled by a competent attorney can help you avoid having your bankruptcy terminated and starting all over from scratch.
Take the First Step to Debt Relief
If you are seeking a debt repayment plan through Chapter 13 bankruptcy, I am here to help. Contact my law office toll free at 866-716-7956 or locally at 859-317-2109 to speak with an experienced bankruptcy attorney. I offer all clients free initial consultations and keep regular office hours, but am available on select evenings and weekends by appointment.
*We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
