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Who Should Consider Chapter 13 Bankruptcy

If you're considering filing for bankruptcy, you should consult with a bankruptcy law firm in Schaumburg about your options. As your attorney will explain, Chapter 7 is the fastest consumer bankruptcy option. However, in order to qualify for Chapter 7, you need to pass the means test and have little disposable income.

You may consider Chapter 13 bankruptcy if you do not qualify for Chapter 7 bankruptcy. In fact, this chapter may be a better option if you have a steady income and home mortgage loan. As your Aurora bankruptcy lawyer will explain, filing for Chapter 13 bankruptcy allows you to reorganize your debts with your creditors in an agreed repayment plan. After staying current on your payments for three to five years according to this plan, your remaining debt is discharged. This may be beneficial if you are a homeowner because the repayment plan allows you to keep this valuable asset.

Call (224) 836-4956 to schedule a consultation with Cutler & Associates, Ltd. about filing for Chapter 7 or Chapter 13 bankruptcy. Our firm has served the Chicagoland area for more than 30 years, handling all types of bankruptcy cases.

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