Chapter 13 Bankruptcy
Attorney in Houston, Texas

Many people begin their bankruptcy journey by filing for Chapter 7 bankruptcy, but unfortunately, some people do not qualify. If you are not eligible for Chapter 7 bankruptcy due to high income or other factors, Chapter 13 may be a good alternative. The process for filing Chapter 13 bankruptcy can be complicated, so it's important to work with experienced Houston bankruptcy lawyers who understand the critical details of the process.

Unlike Chapter 7 bankruptcy, Chapter 13 allows individuals to repay their debts over a period of time. Your Houston bankruptcy attorney will negotiate payment plans and terms with your creditors, and you make monthly payments until the debt has been repaid. This option can take anywhere from three to five years to complete. After repaying the debt, many individuals can enjoy a fresh financial start.

Why Do I Need an Attorney?

In order to secure a favorable repayment plan, the contract and payment terms must be negotiated with creditors. It is important to work with a dedicated Chapter 13 bankruptcy attorney in Houston who can help you negotiate a repayment plan that is in your best interests.

At Payne & Associates, we provide personalized, one-on-one attention to each client, getting to know the ins and outs of their financial needs. We can protect you from creditors, represent you during creditor meetings, and walk you through the entire process, step-by-step. You will never feel lost or confused when you have our firm by your side.

By working with our lawyers, you can benefit from:

• The ability to speak directly to an attorney anytime you need us

• A family-oriented, friendly, and approachable staff

• Help to rebuild and monitor your credit post-bankruptcy

• Flexible payment plans and reasonable attorney fees

If you are contemplating filing for Chapter 13 bankruptcy and want to weigh your options, speak to our Houston attorneys about whether this type of bankruptcy is right for you.