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If you are struggling with monthly credit card payments, mortgage arrears, or tax debt that you can’t seem to get ahead of, filing for Chapter 13 bankruptcy can help you make progress toward a stronger financial future. Often referred to as “reorganization bankruptcy,” Chapter 13 allows you to establish a repayment plan to gradually pay off a percent of your debt while protecting you from foreclosure, eviction, repossessions, wage garnishment, and lawsuits. Grady BK, PLLC strives to provide exceptional legal guidance to individuals struggling with debt. Together, we’ll determine the most strategic path forward aimed at giving you the second chance you deserve.
Chapter 7 bankruptcy, is what most people think of when they think about bankruptcy: You wipe away your unsecured debt like credit cards, medical bills, personal loans, and some taxes. For any secured debt (house, cars, ATVs, etc.), you can continue to pay those loans and keep the property, or you can surrender the property and wipe away that debt. Chapter 7 will protect you from repossessions, lawsuits, wage garnishment, and other collection tactics creditors use. There are certain debts, such as child support, alimony, student loans, and some taxes, that cannot be discharged in a Chapter 7 bankruptcy. At Grady BK, PLLC, we recognize that you feel anxious about the bankruptcy process—you are not alone. I’m committed to providing you with compassionate and effective legal guidance at every step of the process to help you move towards a brighter future.
