Chapter 13 Bankruptcy Attorney in Holbrook, Massachusetts
When your debt becomes too much to handle and you’re facing collection actions by your creditors, turn to The Law Office of Doug Surprenant in Holbrook, Massachusetts.
Attorney Doug Surprenant helps clients find debt relief through Chapter 13 bankruptcy, a legal process that protects debtors and helps them get back on track.
If you earn a steady income but have too much debt to keep up with your payments, this option can allow you to keep your assets and repay your secured creditors over time or pay back a portion of your unsecured debt.
If you are unable to get a loan modification or are facing foreclosure, Chapter 13 could be the perfect solution. Chapter 13 will stop the foreclosure sale. You will become instantly current on your mortgage and you can repay your average over the next 36 to 60 months.
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Chapter 13 bankruptcy is often the right choice for debtors who do not qualify for Chapter 7 bankruptcy because their income is too high. Chapter 13 allows you to keep all of your assets and reorganize your debts so that you can pay them off partially or fully over an extended period. This 3-5 year repayment plan happens under the protection of the bankruptcy court, and remaining debts are typically discharged at the end of the plan. As soon as you file, creditors are ordered to cease all communications with you and collection actions against you.
The job of a Chapter 13 attorney is to prepare a repayment plan that will be accepted by the court and by your creditors. This is a complex challenge that is best left up to an experienced legal professional.
Don’t Hesitate to Get the Help You Need
Ready to take the first step toward financial recovery? Doug would be happy to explain all of your options and help you decide what bankruptcy filing is best for you (if any). Contact us today to request a free initial consultation.
The Law Office of Doug Surprenant serves clients in the following areas:
Holbrook, Massachusetts
Randolph, Massachusetts
Norfolk County, Massachusetts
Plymouth County, Massachusetts