Chapter 13

You’re struggling financially and living pay-check to pay-check and don’t know where to turn to for help. You know you owe money to your bill collectors, but the amount they want just isn’t within your monthly budget. This is where coming to see us at James Hayes IV Attorney at Law in Bay City, Michigan can be beneficial.

After answering a few detailed questions, we will be able to determine the best method of filing for financial relief for your particular situation. By filing Chapter 13 Bankruptcy, you will be able to keep your assets while making arrangements to repay your creditors.

This form of bankruptcy will allow you up to five years for a repayment plan. As long as you are diligent and maintain your agreed payments, by the time you are finished, you will have satisfied partial or all of your financial obligations to those particular creditors.

We will help decide which course of action is best for your situation when it comes to submitting an action plan of repayment. Life is stressful enough already; don’t let another moment go by worrying about how you’re going to pay the bills and your mortgage. Come talk with us to see what options are available to you. We want to help make your quality of life better by being there for you to explain all the legalities of filing Chapter 13.

Chapter 13:

  • Monthly Repayment Plan (3-5 years)
  • We can help determine your eligibility
  • File the appropriate documents on your behalf
  • Save your home from foreclosure