Chapter 13 Bankruptcy

Crumley & Wolfe files Chapter 13 bankruptcies to protect your property and to help you reorganize and reduce other debts. A Chapter 13 places your home under the protection of the U.S. Bankruptcy Court and stops foreclosures. It also puts your vehicle under the same Bankruptcy court protection and prevents your car from being repossessed. Chapter 13 is used primarily by people with a mortgage or a vehicle who wish to keep their property, yet need time to restructure payment of existing debt to a manageable level.

Reorganize Your Debts and Regain Control

Chapter 13 bankruptcy not only protects certain property… it also reorganizes your debts. In many cases, depending on your income and assets, we will be able to completely eliminate your unsecured debt. This means you may not have to pay credit card debt, medical bills, personal loans, old tax debt, delinquent utility bills and certain other unsecured debt. A Chapter 13 also reorganizes and helps pay for recent tax debt, homeowner’s association fees, or delinquent child support payments.

No More Harrassing Phone Calls

While you are in your Chapter 13, which lasts from 36-60 months, your creditors are prohibited by law from calling you. This comes as a great relief to our clients. You may refer any calls you do receive to our office, and we will talk to your creditors for you.

Call Today for the Help You Need

We understand how you feel if you are facing foreclosure on your home or repossession of your vehicle. A Chapter 13 can prevent these events from occurring. Call Crumley & Wolfe at 904-374-0111 or (912) 673-7499 for your free consultation today, and regain control of your financial affairs.