Chapter 13 Bankruptcy


As bills pile up and the prospect of filing for bankruptcy begins to seem all the more likely, you may find yourself worried about what will happen to your most essential possessions, like your house or your car. Fortunately, as long as you have a steady income, you should be eligible to file for Chapter 13 bankruptcy.
If you need to file for bankruptcy, do not do it alone. One mistake made in filling out the paperwork could make the process more expensive and more time-consuming. We have helped over 7,000 clients file for bankruptcy, and we can help you, too.

Contact The Cummings Law Firm, P.A. today at (704) 376-2853 for a free initial consultation with a lawyer who has over 30 years of experience practicing bankruptcy exclusively.


Unlike Chapter 7 bankruptcy, when you file for Chapter 13 bankruptcy, your debts are not immediately wiped away. Instead, they are consolidated using debt reorganization into one monthly payment, set at an amount the court determines you can afford, and you agree to make that payment for the next three to five years. If you make your payments on time, at the end of three to five years, any debt that you still have not paid off may be discharged.
Because debts are consolidated, it’s also called a “reorganization” bankruptcy. What’s more, you get to keep all of your assets. This is especially advantageous if you own a home, need your car to get to work or are facing a small business bankruptcy.


From the instant you file for Chapter 7 or Chapter 13 bankruptcy, the judge issues an automatic stay. This is an immediate order to all of your creditors notifying them that you have filed for bankruptcy and that it is illegal for them to make any further attempts to collect on the debt you owe. If your creditors continue to harass you after the automatic stay is issued, you may be able to sue them under the Fair Debt Collection Practices Act (FDCPA).


If you think bankruptcy is right for you, we can put our extensive experience and knowledge of the law toward helping you find financial freedom. For a free initial consultation, contact an attorney at The Cummings Law Firm, P.A. online or call (704) 376-2853 today.

Let's Discuss Your Situation