SE HABLA ESPAÑOL 219-845-1122
Ricardo B. Casas
Financial relief attorney in Hammond I am a debt relief agency. I help people file for bankruptcy relief under the bankruptcy code.

Understanding The Flexibility Of Chapter 13 Bankruptcy

There are many myths and misconceptions about what Chapter 13 bankruptcy can and cannot do. Unfortunately, misinformation often causes people to delay speaking with a lawyer about their true financial relief options. For instance, many people incorrectly believe that a Chapter 13 consolidates debts and requires them to fully pay off each obligation. However, a Chapter 13 usually proposes a plan to pay missed mortgage payments, missed vehicle payments, if necessary, missed real estate taxes, federal and state taxes that are three (3) or less years ols and usually lowers vehicle payments as well as other personal loans having collateral or co-signers. At the law office of Ricardo B. Casas in Hammond, Indiana, we will fully explain if Chapter 13 is the best option for you.

While this type of debt-relief protection involves a payment plan, the plan is based on a variety of factors directly tied to your unique circumstances. It is important for you to understand that creating a plan requires detailed analysis of your individual circumstances and goals. Attorney Ricardo B. Casas has more than 38 years of experience guiding people through the process to a debt-free future.

Restructuring Debt With Dignity — Se Habla Español

Bankruptcy protection is not intended to be a ruthless process to leave you destitute. We will fully evaluate your unique debt problems, your household expenses and your income to craft a plan to allow you to live with dignity while restructuring your debts and financial status. At the conclusion of the three- to five-year restructuring plan, any remaining unsecured debt is discharged, providing you with a fresh financial start.

Often, we can help clients avoid foreclosure or reduce high interest rates on car loans while reorganizing other debts in Chapter 13. Many people call this form of bankruptcy protection the wage-earner plan. Anyone with a reliable income who wants to protect nonexempt assets may find great benefits through Chapter 13.

Arrange Your Free Initial Consultation With A Caring Debt-Relief Counselor

For more information about what bankruptcy can do for you, send us a message using the online contact form or call 219-845-1122. We serve clients throughout Porter and Lake counties.

El abogado habla español.

The law office of Ricardo B. Casas is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Don’t Wait. Contact Us To Stop Creditor Harassment

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