Chapter 13 Bankruptcy

Amesbury Chapter 13 Bankruptcy Lawyer

Stop Creditor Actions and Repay Debts Over Time

Are you hopelessly behind on payments yet don’t qualify for a discharge of debts? Chapter 13 bankruptcy provides immediate relief from creditors and a long-term plan to pay down your debts without penalties.

If you are in danger of losing your house or your car, or simply want to end the harassing phone calls from creditors, talk to an experienced bankruptcy attorney at Munroe P.C.. With offices in Amesbury and Hudson, we represent individuals and couples in the Merrimac Valley, North Shore and the Metro West areas obtain debt relief and peace of mind. Arrange a free consultation today.

Amesbury Chapter 13 Bankruptcy Attorney

Newburyport • Haverhill • Lawrence • Marlboro • Hudson

While Chapter 7 bankruptcy eliminates unsecured debts, Chapter 13 bankruptcy involves repaying a portion of the debts. You make one monthly payment to the trustee, based on your income after household expenses, for three to five years. Many clients pay only a fraction of their total debts — any remaining debts are discharged at the end of your repayment plan.

More immediately, and perhaps most importantly, Chapter 13 can:

Stop home foreclosure
Stop vehicle repossession
Stop wage garnishment
Stop creditor harassment and lawsuits

Chapter 13 is an option for people who earn too much to qualify for a straight discharge under Chapter 7. It can also be used to protect nonexempt assets such as a second home or rental property, substantial equity in a house, or other valuable property that would be forfeited in a Chapter 7. (See our Bankruptcy FAQ.)

Debt Relief and an End to the Phone Calls

The key to Chapter 13 bankruptcy is a realistic plan that provides “wiggle room” for the curveballs and setbacks of life. Experienced lawyer Kristofer Munroe has helped a diverse range of Massachusetts residents file for bankruptcy, including many successful Chapter 13s. He conducts a thorough analysis of your income, assets, debts and expenses to make sure you can afford the Chapter 13 payments.

Is Chapter 13 the solution for stopping foreclosure or the answer to your debt troubles? Call us at (978) 388-3350 or contact us online to schedule your free consultation, at our offices or a convenient off-site location, including evening hours by appointment.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

The law firm of Munroe P.C. is located in Amesbury, Massachusetts, with an office in Hudson, serving clients of Merrimack Valley, the North Shore and the Metro West area, including Haverhill, Lawrence, Salisbury, Bradford, Georgetown, Lawrence, Methuen, Salem, Marlborough, Stow, Shrewsbury, Sudbury, Maynard, Southborough, Westborough, Berlin and surrounding communities of Essex County, Middlesex County and Worcester County.