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We understand that people can fall on hard times, have unexpected medical bills, go through a divorce and become so far in debt they do not see a way out. Many people think that they cannot file for bankruptcy since they have a job. Even with a job you can still file for Chapter 13 bankruptcy and The Law Offices of Keith D Collier are here to help you every step of the way. If you are unsure on what your options are or even where to start we give everyone a FREE Chapter 13 bankruptcy consultation to assess their situation and determine what the best steps are to take.
Chapter 13 bankruptcy allows you to renegotiate your debt that will allow you to repay all or even a part of the debt while still covering your current living expenses. Chapter 13 bankruptcy allows you to reorganize your debts and get control once again on your financial situation. In many cases we will be able to eliminate your unsecured debt, so will not have to worry about your credit card bills, those unexpected medical bills, personal loans and other unsecured debt. A Chapter 13 bankruptcy cannot eliminate any recent tax debt or child support payments, but it can help restructure that debt to a manageable payment.
With Chapter 13, you have a plan to make monthly payments to a Chapter 13 Trustee over a set amount of years. The trustee will disburse the money to your creditors that was laid out in the bankruptcy hearing. Chapter 13 bankruptcy gives you the ability to catch up on your over due mortgage payments, property taxes, back taxes, child support and your car loan.
While you are in the process of going through your Chapter 13 bankruptcy, any creditors are prohibited by law from ever calling you. If they do call, simply tell them you are currently going through Chapter 13 bankruptcy and give them a case number if possible. If they continue to call you, take down the person's name, who they work for and any contact information you can and submit it to your bankruptcy lawyer. Having these phone calls stopped every day is a big relief for many of our clients and a way to show them there is light at the end of the tunnel.
If you want to stop the harassing phone calls, block the foreclosure of your home or even stop the IRS from garnishing your wages give us a call today. We know the bankruptcy laws here in Jacksonville and look forward to helping you in this time of need. We will assess your current situation and come up with a repayment plan together that works for everyone involved. Do not wait, be stress free and back on your desired path in life now!