Chapter 13 Consumer Bankruptcy
If you are struggling with your debt, there are solutions. By reorganizing your debt, you may arrive at a plan you can afford that allows you to keep your home and other assets. At the Law Office of Ronald V. De Caprio, we will answer your questions and help you make the tough decisions. Helping you keep your financial priorities in order, we will help to ensure you have food, clothes, and a roof over your head.
If you have enough money to pay back some of your debts, but you cannot afford to pay all of them, Chapter 13 bankruptcy may be right for you. When you file for Chapter 13 bankruptcy, you will be able to deal with debts including your credit card debt, mortgage responsibilities and car payments.
Taking a close look at your financial situation, our firm will analyze your income, expenses, and budget. In order to better understand your current situation, we will take a close look at a number of documents, including:
- Last 6 Months of Pay Stubs
- Last 4 Years of Tax Returns
- Car Payment Invoices
- Mortgage Information
Once we have a better understanding of your financial situation, we will give you straightforward and honest answers about whether Chapter 13 bankruptcy may work for you. If we think it can work, we will help you with the reorganization of your debt into a payment plan you can afford.
When you file for Chapter 13 bankruptcy, you may be able to keep your home and car, but there are no guarantees. However, we will help you come up with a budget where you can make your car and house payments.
We have been helping individuals and families throughout the Lower Hudson Valley and New York for over a decade. Call (845) 406-4201 (toll free (866) 936-8113) or contact us online to schedule a consultation to learn how our attorneys can help you.