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FILING CHAPTER 13 TO LOWER YOUR MONTHLY PAYMENTS

A powerful reason to file Chapter 13 is to lower your credit payments.  This payment will pay all of your credit bills such as medical, credit cards, or personal loans. It will even also take care of your automobile loan payment.  Because Chapter 13 can lower your monthly payments so much, many times our clients will file Chapter 13 simply to make their budget possible again!

Image of woman on phone with a creditor

LOWERING YOUR PAYMENTS AND STOPPING AGGRESSIVE COLLECTION

Lowering your monthly payments through Chapter 13 can be especially powerful when you are also stopping aggressive bill collectors.  The stress of dealing with each aggressive creditor can be overwhelming.  If you can stop a garnishment creditor as well, you may be able to save as much as $500-$1000 per month – or even more if you file under Chapter 13.  If you want an affordable way to stop a garnishment or restructure your debt, there is really no more powerful way many times than by filing under Chapter 13.

LOWER YOUR PAYMENTS – AND START IT AFFORDABLY

Chapter 13 does not require very high up-front costs at our office because the fees for the Chapter 13 are frequently allowed to be paid through the Chapter 13 plan.  Sometimes you can file a Chapter 13 case to lower your payments for as low as only the court cost.   You can receive an almost instant drop in monthly payments without breaking your budget to make that happen.

LOWER PAYMENTS AND MAKE A FINAL SOLUTION TO THE DEBT

Our clients will many times continue in horrible payment situations for many years only to find that they are in almost the exact same situation 3 to 5 years later.  Chapter 13 not only lowers your payments but also guarantees that your will have a final solution to your debts.   After the end of your Chapter 13 repayment plan, you will usually be debt free.

If you want a final, permanent solution to your debt, Chapter 13 may be the answer.  You can frequently lower your payments and save on the total amount that must be paid out to satisfy your debts.  If you need to lower your payments, call us for a free consultation.