Lavery & Sirkis

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CHAPTER 13
C H A P T E R   1 3

Saving Your Home And More Through Chapter 13

If you are in debt and don't know what to do, don't feel bad. You're certainly not alone. In fact, New Jersey is the number one state in the nation for foreclosures. The good news is that your story doesn't have to end there. Chapter 13 bankruptcy may be the best way to save your home and start again.
At Lavery & Sirkis, we have helped thousands of clients find lasting debt relief solutions over the past few decades. From our headquarters in Hackettstown, we can assist you anywhere in the surrounding areas of New Jersey. Plus, you can rely on our attorney to treat you with understanding and respect, offering the stellar client service you deserve. Arrange a free consultation with Joan Sirkis Warren by calling 908-850-6161.

Frequently Asked Questions About Chapter 13 Bankruptcy

Read answers to a few of the most common questions about this type of debt relief:
  • What are the benefits of Chapter 13?

    The potential benefits are numerous and start as soon as you file. Immediately, an "automatic stay" will go into effect, forbidding creditors from contacting you anymore. The automatic stay also puts a stop to wage garnishment and halts foreclosure proceedings and car repossessions. As with Chapter 7 bankruptcy, Chapter 13 can also eliminate unsecured debts such as credit card debts, medical bills and more.

  • How does the process work?

    Chapter 13 involves creating an affordable, interest-free repayment plan that lasts three to five years. You don't have to worry about interacting directly with your creditors during this time. You will simply make one payment each month to the appointed bankruptcy trustee who will then take care of distributing the money. The amount you pay each month will be based on how much you earn after deducting your monthly expenses.

  • What happens if I can't repay all my debts in that time frame?

    After those three to five years, any remaining debts you have will be "discharged" or erased. You will be free from them altogether and can start fresh.

Learn More In A Free, Confidential Consultation

It costs you nothing at all to learn more about your debt relief options and how Lavery & Sirkis can help. We offer a free initial consultation so that you can talk with our lawyer in a no-pressure, confidential and comfortable setting. Call us today at 908-850-6161. You can also contact us by email.

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

Questions? Get The Answers You Need.

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