Losing your job, incurring large medical bills or watching your credit card debt continue to rise can have a significant impact on you and your family. If you are one of the many Kentucky residents struggling with any of these situations, then you should speak with me, attorney Robert Ristaneo, for help.
For more than 40 years I have helped people just like you find relief from creditors and get a much-needed fresh financial start. As a Lexington Chapter 13 bankruptcy attorney, I will guide you through the complex bankruptcy process, negotiate payment plans with your creditors and be your advocate every step of the way.
Benefits of Filing for Chapter 13 Bankruptcy
In a Chapter 13 bankruptcy proceeding, you and I will work with your creditors to develop a three- to five-year debt repayment plan. I will carefully analyze your financial situation and negotiate a plan with your creditors that you can afford. At the end of the three- to five-year period, all of your remaining dischargeable debts will be wiped away so long as you remained current with your payments.
When you come into my office, I will explain in detail the many benefits filing for Chapter 13 can provide. They include:
- Instantly stopping collections letters and harassing dinnertime phone calls
- Remaining in control of all of your property
- Retaining your car, home and other valuable property
- Preventing or stopping foreclosure proceedings
- Clearing away a second or third mortgage you might have on your home
- Incorporating unpaid mortgage payments into your repayment plan
Qualifying for Chapter 13 Bankruptcy in Lexington, Kentucky
Qualifying for Chapter 13 under the new Bankruptcy Act is very fact-driven and depends upon your particular financial situation. I will conduct an in-depth means test analysis of your income, the amount of debt you owe, as well as any necessary expenditures you might have. After seeing the results, I will counsel on whether Chapter 13 or Chapter 7 bankruptcy is most appropriate for you.
Filing for Chapter 13 bankruptcy is a very complex and involved process. I will make sure everything is completed accurately and on time, which will allow you to have peace of mind as the process moves along.
Contact a Georgetown, Kentucky, Lawyer for Help With a Debt Repayment Plan
Contact my Lexington office online or call 859-475-1813 (toll free at 866-661-0807) to learn how I can help you obtain a fresh financial start.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.