Chapter 13 Bankruptcy Lawyer
Serving all of Central Arkansas
If you are considering bankruptcy, but are worried about retaining your home, Chapter 13 bankruptcy may be an option for you. Chapter 13 provides an excellent source of protection and flexibility for those who do not qualify for Chapter 7, but desire the benefits that bankruptcy can afford.
The Havner Law Firm is here to help you regain control of your finances. From our office in White Hall, Arkansas, we provide the support and legal advice our clients need to make a fresh financial start. With more than 25 years of bankruptcy experience, we have the skill and dedication necessary to find a solution that works for you and your situation.
Benefits of Chapter 13 Bankruptcy:
In Chapter 7 bankruptcy, your debts are essentially “liquidated.” Chapter 13 bankruptcy differs in that it reorganizes your debt, creating a repayment plan that works for you and your financial ability. The repayment plan usually lasts anywhere from three to five years, allowing you to repay a portion of your debt at an affordable monthly rate. Chapter 13 also offers individuals the ability to:
- Retain property not protected in Chapter 7
- Create a more affordable car payment by reducing interest rate
- Repay tax debts or unpaid mortgage debt
At the end of your repayment plan, any remaining debt will be discharged. If throughout the process you have remained current on your house payments, your home will be protected.
Chapter 13 Bankruptcy Attorney
At the Havner Law Firm, we are dedicated to seeing you through this emotional and stressful time. We will first help you to determine if you are eligible for Chapter 13 bankruptcy. From there, we will work together, every step of the way, until you have reached financial success.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.