Chapter 13

Arizona Bankruptcy Lawyers – Chapter 13 Attorneys Mesa AZ

The Yontz Law Group provides affordable bankruptcy lawyers in Mesa AZ and neighboring towns for chapter 13 filings. Our Mesa Arizona bankruptcy lawyers are debt consolidation professionals that have the necessary skills and experience to provide our clients with structured repayment plans and a pathway to sensible financial solutions.  Our AZ bankruptcy attorneys approach each case with the respect, compassion and understanding you deserve while delivering effective solutions to improve your life. Our bankruptcy lawyers in Arizona provide a free, no risk, initial consultation and answer any questions you may have.

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Bankruptcy Lawyers Arizona – Chapter 13 Overview

Chapter 13 Bankruptcy is an interest free debt repayment plan through which you consolidate your debts over a three to five-year period. Creditors cannot collect from you during the term of the plan.

Debts

Debts that are generally consolidated in a Chapter 13 are mortgage arrears, balances on vehicle loans, and student loans. One important thing our attorneys want you to remember about Chapter 13 is that you must be working or have a consistent source of income for your repayment plan to be approved by the court. Not only must you be able to pay for your monthly living expenses, but you must also be able to make a payment to the court, to consolidate your debts.

Foreclosure in Mesa Arizona

Chapter 13 will stop a foreclosure any time prior to a Sheriff’s foreclosure sale, and allow you to repay your mortgage arrears. You will still be obligated to make all future payments directly to the mortgage company, but they may not proceed with the foreclosure. Call Casey Yontz, the bankruptcy lawyer Mesa residents have come to trust, today – because once the sheriff sells your home, there is nothing we can do to stop the sale.

Student Loans

Although you may not eliminate student loans in a Chapter 7 bankruptcy, you can consolidate student loan debts with your other bills in a Chapter 13, and stop a collection action against you. We can stop the collection action and garnishments related to student loan debts.

Cosigners

Your cosigners get protection too-in fact the same protection that you receive under Chapter 13. Chapter 13 may protect your cosigners from collection activity while you are in your repayment plan.

Vehicle Repossession

Our attorneys can use Chapter 13 to stop a finance company from repossessing your vehicle. The past due payments, along with the outstanding balance on the car loan, will be consolidated into the Chapter 13. The finance company cannot repossess your car, and in most cases, you will not have to make a payment directly to the finance company. In some instances, our attorneys can even get your car back if it was recently repossessed.

Call the attorneys at The Yontz Law Group to learn more about Chapter 13 Bankruptcy in Mesa AZ