Dealing with mounting debt can feel like an uphill battle with no end in sight. The fear of losing your home, car, or other valuable assets can leave you feeling helpless and stuck. It’s a stressful situation that no one prepares for, but the important thing to know is that you have options.
At Whitten & Whitten, our experienced Chapter 13 bankruptcy attorneys in Schererville have spent years guiding countless individuals like you through the Chapter 13 process, providing the legal experience and emotional support they need to take back control of their lives. Let us help you move forward.
Many people refer to Chapter 13 bankruptcy as “reorganization” bankruptcy. Unlike Chapter 7 bankruptcy, which involves liquidating certain assets to pay back your debt, Chapter 13 lets you keep your property while creating a court-approved repayment plan. This plan typically lasts three to five years, giving you the opportunity to make manageable payments based on your current income and circumstances.
It’s a solution designed for individuals who have a steady source of income but are having a hard time keeping up with their financial obligations. Chapter 13 doesn’t erase all debts instantly, but it provides breathing room to catch up on overdue payments and paves the way toward a more stable financial future.
One of the biggest benefits of Chapter 13 is its ability to halt creditor actions through what’s known as an “automatic stay.” This legal protection goes into effect as soon as your bankruptcy case is filed, immediately stopping foreclosure proceedings, vehicle repossessions, and wage garnishments.
If you’re facing the loss of your home due to missed mortgage payments, Chapter 13 can help. Through the repayment plan, you’ll have the chance to catch up on overdue payments over time, potentially avoiding foreclosure altogether. Similarly, if you’ve fallen behind on your car loan, Chapter 13 can prevent repossession, allowing you to retain possession of your vehicle while repaying the missed amounts.
For many individuals, one of the hardest parts of managing debt is juggling multiple creditors and due dates. Chapter 13 simplifies this process by consolidating your debts into a single monthly payment. Your repayment plan is structured around your income and expenses, ensuring that the payments are realistic and sustainable for your circumstances.
Debts such as medical bills, credit card balances, and personal loans are often paid at a reduced rate, while other obligations, like child support, alimony, and taxes, are given priority. Once your repayment plan is completed, you may receive a discharge of certain remaining unsecured debts, allowing you to truly start fresh.
Filing for Chapter 13 bankruptcy can seem like a complicated and intimidating process, but it doesn’t have to be. At Whitten & Whitten, we are committed to guiding you every step of the way. Our team brings decades of experience in bankruptcy law to the table, ensuring that your case is handled with precision and care.
We know that taking this step isn’t just about the numbers. Financial distress can take a severe emotional toll, leading to anxiety, sleepless nights, and strain on relationships. That’s why, beyond our legal experience, we strive to provide compassion and understanding. Our goal is to empower you to regain financial stability and approach the future with confidence.
When you choose Whitten & Whitten, you’ll gain access to knowledgeable attorneys who take the time to understand your unique situation. During your initial consultation, we’ll review your finances, income, and debts to determine if Chapter 13 is the best option for you. If it is, we’ll design a repayment plan tailored to your needs and ensure that all paperwork is filed accurately and on time.
From communicating with creditors to representing you in court hearings, our firm handles the hard work so you can focus on rebuilding your life. We pride ourselves on being approachable and accessible—your questions and concerns matter to us, and we’ll address them promptly.
If debt has taken over your life and you’re worried about losing your home, car, or hard-earned savings, Chapter 13 bankruptcy may be the fresh start you need. At Whitten & Whitten, we’re here to help. Contact us today – our experienced Chapter 13 bankruptcy attorneys in Schererville are ready to provide the guidance, support, and advocacy you need to take the first step toward a brighter financial future. With the right legal representation, you can conquer your debt and regain control of your life.
These guys really took me out of a tough time. Really down to earth and made me feel at easy. Would recommend
I would suggest Whitten & Whitten and the whole office. They helped me and were so helpful and friendly. Thank you for getting me back on track.
If you are ready to speak to an attorney, provide the information
below for a free initial consultation.