• Have you lost your job?
• Is your home in danger of foreclosure?
• Do you feel trapped by medical bills, divorce-related expenses or credit card bills?

You and your Indiana family could benefit from Chapter 13 federal bankruptcy protection. Many people have the misconception that filing for consumer bankruptcy can cause them to spiral out of control. In reality, consumer bankruptcy is designed to help families and individuals gain a fresh start after feeling trapped by unmanageable debt.

Helping Clients Climb Out of Debt for 25 Years

For 25 years, attorney Steven J. Halbert has been instrumental in the financial revival of many clients in the Greater Indianapolis area. Contact our Carmel Chapter 13 bankruptcy attorney to learn how you can regain control of your financial situation during a free initial consultation.

How Does Chapter 13 Bankruptcy Work?

In a Chapter 13 bankruptcy, you can create a three- to five-year repayment plan, based on future earnings and ability to pay all or a portion of your debts to creditors. Chapter 13 is the preferred debt relief strategy for people who want to keep certain nonexempt assets or secured assets, such as a home or motor vehicle, but need an extended period for repayment. Chapter 13 bankruptcy is also available to those who do not qualify for Chapter 7 bankruptcy through the means test.

Benefits of Filing Chapter 13 Bankruptcy

During your free initial consultation, our Carmel Chapter 13 bankruptcy lawyer will explain how filing for bankruptcy can help you in a variety of ways, such as:

• Preventing mortgage foreclosures
• Halting repossessions, wage garnishments and creditor harassment
• Allowing you to make up missed payments on a motor vehicle
• Allowing you to make back tax payments
• Allowing you to retain possession of nonexempt property

If your repayment agreement proceeds as planned, all of your remaining dischargeable debt will be released at the end of your three- to five-year timetable. The total amount paid to creditors under Chapter 13 should be at least as much as creditors would have received had you filed for Chapter 7 liquidation bankruptcy. To file for Chapter 13 bankruptcy protection, you must have a regular source of income as well as disposable income to apply to a Chapter 13 payment plan.

Filing for Chapter 13 Can Provide You With a Fresh Start

In addition to the reorganization and restructuring benefits of Chapter 13 bankruptcy, you can take advantage of significant debt relief. When your case is completed, all dischargeable debts are wiped away. You can stop penalties and interest, reduce the cost of vehicles and other collateral securing debts, and repay arrearages on mortgage debt.

After you have successfully emerged from bankruptcy, Steven J. Halbert can use his knowledge of fair credit reporting and credit score problems to help you obtain future loans. Don't continue to be bullied by harassing bill collectors. The help and hope you need can be found at the Carmel Chapter 13 bankruptcy law office of Steven J. Halbert.

Contact Our Skilled Indianapolis Debt Repayment Attorney

If you are drowning in debt, contact our Indianapolis debt repayment lawyer to learn how you can break free from that debt. Our law firm will give you straight answers regarding the fees and costs associated with filing for bankruptcy. Our fees are low and there are no gimmicks or hidden charges. Flexible payment plans and weekend appointments are available.

Steven J. Halbert's law office is a debt relief agency dedicated to counseling clients according to federal Bankruptcy Code.