Lose Your Debt, Keep Your House
You don’t have to lose your house when you file for bankruptcy. Chapter 13 bankruptcy allows you to keep your home, even if it’s in foreclosure or you’ve defaulted on your mortgage payments.
Debt can be quite stressful and draining. It can put a strain on your relationships and hold you back from your goals. You can escape that cycle when you file for bankruptcy.
Whether you’re exploring bankruptcy as an option or ready to move forward, the bankruptcy attorneys at Wirth Law Office – Wagoner can help you understand what to expect.
Since bankruptcy is handled in a federal court, you don’t want to do it without expert legal counsel and representation from a Wagoner bankruptcy attorney.
Quieting Debt Collectors
If constant calls from debt collectors make you anxious and you worry they’ll show up at your house, you can break free from the fear. These calls end when you file for Chapter 13 bankruptcy in Oklahoma.
Without the barrage of incessant calls, you’ll be able to focus on improving your financial situation. The Wagoner bankruptcy attorneys at Wirth Law Office can help you get started on working toward a better tomorrow.
Stopping Garnishments
Are you tired of losing money from your paychecks to income garnishments? Do you hesitate to put money in the bank for fear of losing it? When you file for Chapter 13 bankruptcy, these garnishments stop.
Wirth Law Office’s Wagoner bankruptcy attorneys can walk you through your options for fixing your finances. Don’t let the stress of debt overwhelm you anymore. Take charge of your future.
Debt Reduction, Not Elimination
While Chapter 7 bankruptcy eliminates your debt, Chapter 13 helps make it more manageable by restructuring it. Even though it doesn’t erase your debt, it allows you to reduce it faster and easier than you could by yourself.
Even though Chapter 13 bankruptcy doesn’t have any requirements, you’ll need patience and commitment since it can take a long time. The changes that you’re making to your finances are significant, so the process can take three to five years.
The sooner you file for Chapter 13 bankruptcy, the sooner you can achieve financial improvement. Let the bankruptcy attorneys at Wagoner’s Wirth Law Office help you get started.
Benefits of Bankruptcy
The benefits of restructuring your debt through Chapter 13 bankruptcy include:
- Keeping your home, even if it’s in foreclosure
- Keeping your home, even if you’ve defaulted on mortgage payments
- Keeping your vehicle, even if you’re behind on payments
- Reduction of debt
- Discharging some of your unsecured debt (such as medical bills, credit cards, and business debt)
- Immediate protection against wage garnishment
How to Qualify for Chapter 13 Bankruptcy
Unlike Chapter 7 bankruptcy, Chapter 13 has no qualifications. It does, however, require your patience and dedication. You have to be willing to do whatever it takes to improve your financial future.
You can still file for Chapter 13 bankruptcy even if you have a criminal record. The Wagoner bankruptcy attorneys at Wirth Law Office can help you decide if filing for bankruptcy is the best option for you.
Filing for Chapter 13 Bankruptcy
It may not seem hard to file for Chapter 13 bankruptcy, but it’s important that you have legal representation going into it. Bankruptcy is handled in a federal court, so you don’t want to go it alone.
Debt can be lonely but getting out of it doesn’t have to be. A bankruptcy attorney from Wirth Law Office – Wagoner can be by your side in court and make your case.
If you’ve filed for Chapter 13 bankruptcy in the past, you have to wait six years before you can file again. Once you file, you’re required to take some classes on financial responsibility.
Even though you qualify for Chapter 13, you may be reluctant to file due to how long it takes to complete the process. For a shorter time frame, you may be able to file for Chapter 7 bankruptcy if you meet the qualifications.
Alternatives to Bankruptcy
Bankruptcy isn’t for everyone. It’s important to remember that you have other options, too. Bankruptcy isn’t your only way out of debt. The Wagoner bankruptcy attorneys at Wirth Law Office can help you explore your options and determine which is best for you.
Some alternatives to bankruptcy are negotiating agreements with creditors, combating illegal debt collection practices, credit counseling, and restructuring your budget.
Initial Strategy Session with a Wagoner Chapter 13 Bankruptcy Attorney
Whether you’re considering bankruptcy as an option or ready to file, you need the expertise of the bankruptcy attorneys from Wirth Law Office – Wagoner. They understand how bankruptcy works, so they can answer your questions. They can also help you understand your options aside from bankruptcy. For a low-cost consultation, call (918) 485-0335 or fill out the form at the top of the page.
