Chapter 13 Bankruptcy Attorney Branford, CT
Chapter 13 is a set of Federal laws that give all Branford residents the power to reorganize their finances through a customized approach that addresses all of their debts. Chapter 13 is the most comprehensive debt relief available. It treats all types of common debts like mortgages and credit card debt, but it also provides for tax relief and reorganization of student loans. To learn more about Chapter 13, you should contact a Chapter 13 Bankruptcy Attorney Branford, CT.
Chapter 13 bankruptcy is a court-ordered reorganization created by our attorneys that provides a customized plan for the repayment of all or a part of your debts. Our Chapter 13 Plans are specifically tailored to your individual income and monthly expenses. Chapter 13 allows you to fully retain all of your personal or business assets and pay back a reduced monthly amount over a three-to-five-year period based upon your particular economic circumstances.
The filing of a Chapter 13 bankruptcy prevents homes from going into foreclosure and halts all pending foreclosures immediately through the creation of an automatic stay. This stops all collection actions, lawsuits and foreclosures; including:
- Collection actions and lawsuits
- Foreclosure actions in any stage
- Court Judgments
- Liens, Levies, Garnishments or attachments
- Repossessions of vehicles or other assets
- All Tax Collections for any kind of tax
- Garnishments or Bank Account Attachments
At the Law Offices of Neil Crane, we’ve been one of the leading providers of Chapter 13 relief for our Branford and New Haven County clients since 1983. We specialize in the creation of fully customized and comprehensive Chapter 13 bankruptcy relief.
To learn more about the benefits of Chapter 13’s protections and debt prioritizations, call us at 203-871-0062 or fill out our simple online Contact form for a prompt response.
Complete Debt Relief and Protection Under Chapter 13
For many Branford residents who struggle with a full range of competing debt problems, a properly utilized Chapter 13 Plan addresses all these concerns and provides an all-encompassing range of solutions. The essential component to expert Chapter 13 relief is crafting a customized Chapter 13 Plan with complete supporting documentation. Chapter 13 addresses:
- Mortgage problems starting from the first date of default up to and including the final days of any state court foreclosure
- Unsecured debt problems This provides relief from credit card debt based on income along with the removal of court liens and attachments on paychecks or houses
- Garnishments, Tax Debt Relief, Chapter 13 protects you from all types of taxes, including state and federal income taxes, real estate taxes, personal property taxes, payroll taxes and student loans.
At the Law Offices of Neil Crane, we’ve been one of the largest providers of complete coverage Chapter 13 relief in Branford, CT since 1983.
To speak with an experienced Chapter 13 attorney by phone, online or in person, call us at 203-871-0062. Or fill out our online Contact Form for a prompt response today.
Basic Steps in the Chapter 13 Process
Chapter 13s can be fully conducted by our attorneys without any in-person appearance. You need only help us and rely on our experience and expertise.
The key to the successful filing and completion of a Chapter 13 Plan of Reorganization is proper advance preparation and a crafted plan based on our knowledge of the law, along with your needs, income and expenses.
Evaluation and Analysis: An in-depth initial evaluation by our qualified Chapter 13 professionals will outline the problems and define the proper solutions available under the specific facts of your case.
Plan Preparation: Prioritizing debt in order of importance for reduction or repayment is the first step to creating your ideal customized Chapter 13 Plan.
Filing Chapter 13, Documentation and Presentation: After the completion of the evaluation and all the preparation, a Chapter 13 Plan of Reorganization is provided to the Bankruptcy Court along with important additional documentation to support and assure approval of your Chapter 13 Plan.
Approval of a Chapter 13 Plan of Reorganization: As we submit all the properly prepared, full set of documents required under Chapter 13, the bankruptcy system will schedule a time of a ten minute phone call with us and an approval date for your case that doesn’t require your attendance. We do need your help, but all perfect Chapter 13 cases at the Law Offices of Neil Crane mean no court or in-person appearances for any of our clients.
Chapter 13 Stops State Court Foreclosures and Saves Homes
Branford residents continue to struggle to save their homes from foreclosure and survive the pressures of other debts and expenses. Chapter 13 remains the leading method for solving home foreclosure. Chapter 13 forces banks to accept missed payments over time on all delinquent mortgages or broken mortgage modifications. Foreclosure actions are immediately stopped through the imposition of an “automatic stay” on all legal proceedings including foreclosure.
Chapter 13 is the leading method for solving mortgage problems, saving homes and discharging or restructuring all other types of debt. Chapter 13 federally guarantees your right to stop a foreclosure, cure back due payments over five years, and recommence your next monthly mortgage payment.
To learn more about federal legal rights for individuals under Chapter 13 process, call the dedicated Chapter 13 bankruptcy lawyers at the Law Offices of Neil Crane. We can be reached at 203-871-0062, or by filling out our simple online Contact Form.
Customized Chapter 13 Plans at the Law Offices of Neil Crane
In the hands of our caring and specialized Chapter 13 lawyers, your recovery plan is completely customized and crafted to your individual needs, income and expenses.
Chapter 13 Prioritizes Debts in order of importance. This means that your money goes to your most important bills first before any monthly income is spent on other unnecessary low-priority bills that get reduced or totally eliminated. Chapter 13 properly prioritizes mortgage debt above all other obligations, especially credit cards and other high interest debt that robs you of monthly income needed for more important household bills.
To learn more about Chapter 13 Plans of Reorganization, fill out our online Contact Form, or call us at 203-871-0062.