Don’t Let Debt Defeat You:

Bankruptcy Chapter 13 Can Provide a Fresh Start

Call #856-489-0580

YES! You can keep your home. YES! You can keep your vehicle

What is Bankruptcy Chapter 13 / Personal Bankruptcy? 

If you’re plagued by debt, filing Bankruptcy Chapter 13 may be the most effective way to protect yourself from creditor harassment and start afresh. 

Also known as a repayment / reorganization personal bankruptcy in which you pay a set amount each month to the Federal Bankruptcy Trustee to pay back arrears on secured debt and sometimes a percentage on unsecured debt. If Bankruptcy Chapter 13 fits your economic situation, you will be able to stop a foreclosure and sheriff sale on your home paying back the arrears on your mortgage over a 36 to 60 month period, also if applicable you may file a Strip Down motion to reclassify your second mortgage / home equity loan from a secured obligation to an unsecured obligation removing it as a lien against your home (thus if you ever sell your home there will only be a lien to pay off for the 1st mortgage ONLY, no longer a payoff on a second mortgage or home equity line), stop a repossession of your car, also if applicable you may file a Cram Down Motion which will set a new amount owed on your car that is based on the current value (not the high amount you still owe, thus you will be paying back a loan amount on just what the car is currently worth) at a reasonable interest percentage rate (currently around 5%) and paying it back over a 36 to 60 month period, pay back a percentage of your Motor Vehicle Commission Surcharges (MVC) and get your driving privileges restored, pay back IRS and State taxes without any penalties and paying it back over a 36 to 60 month period, if applicable pay little to no amount of your unsecured debt such as credit cards, utilities, medical bills, personal loans, and stop wage executions and bank levies against your personal accounts. 

When you’re deeply in debt climbing your way out seems impossible. You want to pay back what you owe, but mounting financial pressures and the cost of ordinary living make paying off debts seem a faraway dream. Additionally, you fear losing your home and/or vehicles because you are behind on payments. In these cases, filing Bankruptcy Chapter 13 bankruptcy can allow you to retain your home and/or vehicles and pay back from none to a percentage of your unsecured debt. The Law Office of Edward R. Wiercinski takes pride in helping individuals file for Chapter 13 bankruptcy and establish viable repayment plans for debts. He has helped numerous debtors recover from their debt, and return to living financially healthy lives, and he can do the same for you. 

The Law Office of Edward R. Wiercinski will provide the following services involved in filing a Bankruptcy Chapter 13 / Chapter 13 Bankruptcy: 

• Free phone consultation with Edward R. Wiercinski personally, call # 856-489-0580 or business cell #609-760-5686 
• No additional charges for any in-office meetings 
• Flat fee 
• Complete and file all forms 
• Represent you at all hearings 

Beyond guiding you through the Bankruptcy Chapter 13 / Chapter 13 Bankruptcy process, The Law Office of Edward R. Wiercinski will instruct you as to the best course of action. Bankruptcy Chapter 13 isn’t for everyone, and there are numerous factors to consider, including the Bankruptcy Means test and personal exemptions. No matter your situation, you can always trust The Law Office of Edward R. Wiercinski to provide honest legal counsel, in plain laymen terms, which will help you deal with your debt and make the best decision. 

Don’t Let Debt Ruin Your Life; Get Your Debt Discharged With the Help of The Law Office of Edward R. Wiercinski.