Filing for Chapter 13 in Dayton, OH

by | May 21, 2015 | Bankruptcy

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You’ve done everything you can, but you still have debt collectors calling multiple times a day, and now you’re facing foreclosure on your home. No matter the reason why you’re in debt, you need help getting out again. When this happens, and you can’t see another way to repay your debts and get back to where you should be, you’re going to want to consider filing for bankruptcy. One you may want to consider is filing for Chapter 13 bankruptcy.

Chapter 13 in Dayton OH, is meant for those who make more than the mean amount of income for their area. This depends on your household size and can vary year to year, so you’ll want to speak with a lawyer to determine if you qualify. If you do, you ‘ll want to speak with a lawyer to get started so you can make sure everything is done correctly when you file. They’ll need access to your financial accounts and information about your income for at least the past six months.

With Chapter 13 in Dayton OH, you will need to repay most, or all, of your debts. The money you owe is combined into one monthly payment, and you will have between three and five years to repay the money. You’ll need to make sure you make all of your payments on time. In some cases, leftover amounts may be erased at the end of your repayments. Your attorney can explain what qualifies to be included in your bankruptcy and what debts, like child support, cannot be included. At the end of the repayment schedule, you will be free from your debts and caught up on your payments once again.

If you’re feeling overwhelmed by your debts, contact a lawyer today. As soon as they start working on your bankruptcy, your debt collectors will no longer be able to contact you, and your home will be safe from foreclosure as long as you complete the bankruptcy. The debt collectors must contact your lawyer instead of calling you. The process can be simple if you have the help of a qualified attorney. Call them today to see how you can get started with your bankruptcy and find out if Chapter 13 is right for you.

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