Chapter 13

Since 1992, we have been serving Clients in New Hampshire & Massachusetts

Filing for Chapter 13 bankruptcy may be the right option for you if you have a dischargeable, wholly unsecured second mortgage or you are not eligible for Chapter 7 bankruptcy. With this form of bankruptcy, you can consolidate your debts into a lump sum and then pay off the debt on a monthly basis for a period of three to five years by making payments to a bankruptcy trustee who distributes your funds appropriately to your debt collectors. Chapter 13 allows you to keep your assets while regaining control of your finances. In addition, you may be able to completely discharge some debts under a Chapter 13 plan. You may wish to consider filing under Chapter 13 if you:

• are in danger of foreclosure because you have fallen behind on mortgage payments for a home you own;
• are behind in paying your bills but believe you can pay them if you had a little more time;
• own valuable property that you cannot count as legally “exempt”;
• your income is higher than the median for households of your size in your area

How to Prepare for Your First Meeting with a Bankruptcy Lawyer

Do you think you may qualify for Chapter 13 bankruptcy? Don’t let false or misleading information confuse you when it comes to this viable debt relief option! Don’t hesitate to call Buckley Law Offices with your questions and speak to a knowledgeable bankruptcy lawyer at our firm. When visiting our office, don’t forget to bring the following:

• A valid photo ID
• Your Social Security card
• Filed tax returns for the last three years
• Payroll check stubs for the last six months
• Payroll check stubs for your spouse – even if he or she is not filing bankruptcy – for the last six months
• Bank statements for the last six months for every bank account you have

If applicable, also bring:

• All documents you have received related to a pending lawsuit, judgment on a prior lawsuit, foreclosure, eviction, and / or repossession
• If you pay child support or spousal support, the name and address of the party or individual to whom you make these payments
• The face page of any life insurance policy showing benefits that would be paid, unless this policy is an employment benefit

Call Buckley Law Offices for Answers to Questions Regarding Chapter 13

Let our team of compassionate, competent legal professionals answer any questions you may have regarding Chapter 13 bankruptcy or another form of debt relief. Since 1992, we have been serving clients throughout New Hampshire and Massachusetts, we understand what you are going through and we want to help. Our team offers caring, individualized attention because we believe our clients deserve no less. Don’t wait to get the legal help you need to solve your debt problem. Call Buckley Law Offices today to schedule your free case evaluation and learn more about how an attorney at our firm can help you with a fresh financial start.