Reorganizing Your Debts
Chapter 13 bankruptcy is often a good alternative to Chapter 7 bankruptcy for people who are behind on their home mortgages and car loans but still want to keep their house or car. At Rush M. Shortley – Attorney at Law, I have been helping individuals and families overcome their financial dilemmas and pay back their debt through Chapter 13 bankruptcy for more than 40 years.
Based in Cedar Rapids and Coralville, my offices are conveniently situated to assist residents throughout eastern Iowa.
An Experienced Debt Consolidation Lawyer On Your Side
Chapter 13 bankruptcy, or personal reorganization bankruptcy, is a chapter in the bankruptcy code that allows individuals to reorganize their debt into a manageable, court-approved financial plan that can be paid over the course of three to five years. Your unsecured creditors and certain secured creditors must comply with the payment plan ordered by the judge, allowing you to use your income to keep your home mortgage and car payments current and create a positive financial future for you and your family.
Chapter 13 bankruptcy allows you to:
- Save your home from foreclosure
- Save your vehicles from repossession
- Stop creditor harassment and collections
- Make an approved debt restructuring plan that allows you to pay at least some of your unsecured debt
- Make manageable payments on your nondischargeable first priority unsecured debts, such as unpaid income taxes and past-due child support, and pay them off by the time your plan is completed
Working with a knowledgeable, experienced Chapter 13 bankruptcy lawyer like me will help you understand the most beneficial debt relief options for your situation. I will work with you to determine your eligibility to file Chapter 13 by assessing your debt and finances and reviewing your Iowa means test results for your household income and expenses and disposable income.
Contact Rush M. Shortley – Attorney At Law, Today
If you want to learn more about your debt relief options, please call me at 800-592-1969, or email me, to schedule a no-charge, risk-free, confidential initial bankruptcy consultation. Rush M. Shortley – Attorney at Law, has two office locations, in Cedar Rapids and Coralville, Iowa. My office hours are Monday through Friday, from 8 a.m. to 5 p.m., and early evenings and Saturdays by special appointment.
Rush M. Shortley – Attorney at Law, is a debt relief agency. My firm helps people file for bankruptcy relief under the Bankruptcy Code.