Chapter 13 Bankruptcy
North Texas Chapter 13 Bankruptcy Attorneys
Helping You Reorganize Your Debt through Bankruptcy
If you are struggling to meet you personal obligations in today’s challenging economic environment, a Chapter 13 bankruptcy filing can give you the reprieve you need to get out from under a difficult financial situation, allowing you time to rebuild your reserves and an opportunity to establish new payment arrangements with all your creditors. When you file for protection under Chapter 13, an automatic stay immediately goes into effect, prohibiting your creditors from calling or writing you in an effort to collect a debt. You want an experienced and knowledgeable lawyer to guide you through the process, so that you get the relief you need and expect.
At Bailey & Galyen , we bring years of experience and a comprehensive approach to individuals considering personal bankruptcy, including people who want to reorganize their debts under Chapter 13. The hallmarks of our practice have always been our strong commitment to personal service and attention, as well as our dedication to the highest standards of legal excellence. We emphasize communication in all our dealings with clients, making certain we keep you fully informed of all developments in your case, as well as your options moving forward. We will always provide you with a realistic assessment of your likelihood of success, so that you can make intelligent and informed decisions that are in your best interests.
To schedule a free initial consultation, call us toll-free at 800-402-3900 .
Our Chapter 13 Bankruptcy Practice
When you hire us to provide advice regarding a personal bankruptcy, we will first determine whether you qualify to permanently discharge debts under Chapter 7 , conducting a means test to determine whether you have the resources to repay your creditors over a 3 to 5 year period. If you fail to qualify for Chapter 7, if you want to repay your creditors in full, or if you want to keep all your assets, our lawyers can help you take the steps to successfully restructure your debt, often allowing you to enter into new payment arrangements that wipe out penalties and late fees, and even reduce principal balances in certain circumstances.
We handle all matters related to your Chapter 13 bankruptcy filing, preparing and submitting all documentation required during the process, and acting as your liaison with creditors, the court and the bankruptcy trustee. We will work closely with you to prepare and submit a plan of reorganization, and will carefully review any proposed repayment plans from your creditors to ensure that they are within your means.
Contact the Bankruptcy Attorneys at Bailey & Galyen
At Bailey & Galyen, we offer a free, no obligation consultation to discuss your Chapter 13 bankruptcy concerns. Contact or call us at 800-402-3900 to schedule an appointment. Our phones are answered 24 hours a day, 7 days a week. Evening and weekend consultations are available upon request.
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To learn more about your rights in bankruptcy, go to our bankruptcy information center. .