Given the current economy, many people find themselves facing the troublesome situation of overwhelming debt. Dealing with harassing phone calls from creditors, the possibility of losing your home, repossession of vehicles and the financial burden of simply completing your day-to-day activities with ease can be tolling. It is important to know that you do have options for debt relief, and our lawyers can help find a solution that works for you.
Serving the Twin Cities, the bankruptcy attorneys at Walsh & Gaertner, P.A., stand ready to help you get the debt relief that you deserve. We understand the challenges our clients are facing and will work to help find the most immediate and effective debt relief solution that fits your needs.
Is Chapter 13 Right for Me?
Chapter 13 is often referred to as a debt reorganization or payment plan bankruptcy. With this type of bankruptcy, you are required to pay back a portion of your debts over a three- to five-year period. At the end of the payment plan period, the remainder of your debts will be discharged. Chapter 13 is a good idea for people who do not qualify for Chapter 7 bankruptcy, or for people who:
- Want to keep their home
- Own a business
- Have significant assets
Your Home and Chapter 13 Bankruptcy
With Chapter 13, you have the ability to get current on your mortgage over the time frame of your payment plan — without interests or penalties. In Chapter 7 bankruptcy, you can only keep your home if you are current (or get current) with all payments. Any bankruptcy also stops repossessions, creditor harassment, foreclosure and pending judgments. Our lawyers can help you learn more about the many benefits and get you the information you need to determine if bankruptcy is right for your situation.
Contact Our St. Paul/Minneapolis Debt Reorganization Attorneys
Learn about the benefits of bankruptcy by speaking with one of our St. Paul Chapter 13 bankruptcy attorneys, today. To schedule a free initial consultation at our Minnesota law firm, please contact us online or by phone at 651-323-2457 or 888-863-4160.
For your convenience, staff members speak White and Green Hmong dialects. Our office is located in St. Paul, near the state capitol. If you are not able to come to us, we will meet with you in another location.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
