We Help You Wipe the Debt Slate Clean

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy allows you to pay back your debt on a payment plan you can afford. After you’ve paid for 3 or 5 years, everything you haven’t paid gets discharged. Some of your debt has to be paid back completely, like delinquent car payments or mortgage payments, but some folks are able to cut their monthly bill payments from thousands of dollars to $200 or less.

There are many rules that make a bankruptcy filing less simple than it might seem. This goes double for Chapter 13. Because you are on a long-term payment plan, we have more tools to work with. That’s why almost everyone who files for Chapter 13 bankruptcy without an attorney never actually get the discharge they need, even more so than in a Chapter 7.

We can help you navigate the Chapter 13 Bankruptcy process so that you can:

  • Reduce your monthly bill payments
  • Stop harassing phone calls from creditors
  • Eliminate wage garnishments
  • Stop repossession of vehicles
  • Get rid of your credit card debt
  • Get rid of your medical debt
  • Stop or delay foreclosure on your house

Some Articles That Might Help:

Surprise Medical Bills: The Reality not the Hope

Ok, sorry to beat the drum here. I know I promised an update on rent-to-own contracts, but I keep getting sucked into this surprise medical bills issue. It really galls me. We try to encourage folks to take advantage of their fresh start in bankruptcy by making good...

Surprise Medical Bills Are Being Outlawed, But Not In Colorado

OK, we've blogged about before. Surprise medical bills. Check our last post to get the full story, but here's the short version. You go to the emergency room at a hospital your insurance says is in-network. Two months later you get a bill from a radiologist or...

How Bad A Deal is Rent To Own Really? – Part 1

  Almost every consumer advocate out there talks about what an awful deal rent-to-own contacts offer buyers. Folks from Consumer Affairs, to Dave Ramsey, and others tell stories of unscrupulous sales people, 300%+ interest rates, total purchase costs at 2-3 times...

Another Way The ER Bill Traps You

Ironically, we covered surprise ER bills pretty recently. Turns out there's another way that folks are getting hit hard in the wallet after surviving an emergency. Some people may not know this, but most physicians in the ER actually don't work for the hospital. They...

5 Reasons Why Debt Negotiation Doesn’t Work

Why shouldn't I just renegotiate my debt? This other lawyer says he can lower my payments and get me out of debt without filing for bankruptcy. We hear this all the time during our free initial consultation with new clients. To be honest, it might work for you. But...

Contact Us Today
Free Consultation


Please leave this field empty.

We Help You Wipe the Debt Slate Clean

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy allows you to pay back your debt on a payment plan you can afford. After you've paid for 3 or 5 years, everything you haven't paid gets discharged. Some of your debt has to be paid back completely, like delinquent car payments or mortgage payments, but some folks are able to cut their monthly bill payments from thousands of dollars to $200 or less. There are many rules that make a bankruptcy filing less simple than it might seem. This goes double for Chapter 13. Because you are on a long-term payment plan, we have more tools to work with. That's why almost everyone who files for Chapter 13 bankruptcy without an attorney never actually get the discharge they need, even more so than in a Chapter 7. We can help you navigate the Chapter 13 Bankruptcy process so that you can:
  • Reduce your monthly bill payments
  • Stop harassing phone calls from creditors
  • Eliminate wage garnishments
  • Stop repossession of vehicles
  • Get rid of your credit card debt
  • Get rid of your medical debt
  • Stop or delay foreclosure on your house

Contact Us Today
Free Consultation


Please leave this field empty.

Surprise Medical Bills: The Reality not the Hope

Ok, sorry to beat the drum here. I know I promised an update on rent-to-own contracts, but I keep getting sucked into this surprise medical bills issue. It really galls me. We try to encourage folks to take advantage of their fresh start in bankruptcy by making good...

Surprise Medical Bills Are Being Outlawed, But Not In Colorado

OK, we've blogged about before. Surprise medical bills. Check our last post to get the full story, but here's the short version. You go to the emergency room at a hospital your insurance says is in-network. Two months later you get a bill from a radiologist or...

How Bad A Deal is Rent To Own Really? – Part 1

  Almost every consumer advocate out there talks about what an awful deal rent-to-own contacts offer buyers. Folks from Consumer Affairs, to Dave Ramsey, and others tell stories of unscrupulous sales people, 300%+ interest rates, total purchase costs at 2-3 times...

Another Way The ER Bill Traps You

Ironically, we covered surprise ER bills pretty recently. Turns out there's another way that folks are getting hit hard in the wallet after surviving an emergency. Some people may not know this, but most physicians in the ER actually don't work for the hospital. They...

5 Reasons Why Debt Negotiation Doesn’t Work

Why shouldn't I just renegotiate my debt? This other lawyer says he can lower my payments and get me out of debt without filing for bankruptcy. We hear this all the time during our free initial consultation with new clients. To be honest, it might work for you. But...