Chapter 13 Bankruptcy Attorney in Provo, Utah
If you have fallen behind on your debt payments and are having difficulty making ends meet, you need to take action. Passively waiting for your financial situation to improve is not a wise decision.
Smith Law Firm helps people obtain debt relief through the bankruptcy system. We are experienced, knowledgeable and work to obtain maximum debt relief for each client we represent.
Contact us to schedule a free consultation. It could be the first step toward a brighter financial future.
Debt Relief through Chapter 13
Chapter 13 bankruptcy is ideal for people with regular, predictable incomes who have unmanageable levels of debt. You may be better off filing a Chapter 7 bankruptcy rather than under Chapter 13. Attorney James Smith can review your situation and recommend the right solution for you.
In the Chapter 13 process, unsecured debts (debts with no collateral) are reduced and in some cases eliminated. Your remaining debts are repaid through a three- or five-year repayment plan. You can also choose the order in which you repay your debts. Those unsecured debts that are not fully paid off at the end of your payment plan period can be discharged.
You can get debt relief in the form of lowered monthly payments, freedom from harassment, and the opportunity to regain your financial health.
You Can Keep Your Home, Vehicles and Personal Property
A Chapter 13 bankruptcy provides debt relief while allowing you to keep your home, your vehicles, your retirement accounts and your personal property. James Smith takes every opportunity to maximize the property exemptions his clients receive.
When we file Chapter 13 for you, the threat of foreclosure stops, as do repossession and garnishment actions. We will take full advantage of the bankruptcy laws to enable you to obtain maximum debt relief while allowing you to retain as much personal property as possible.
Complete Debt Relief Services
Smith Law Firm can handle all aspects of your Chapter 13 bankruptcy from start to finish. We will prepare your repayment plan and handle all discussions with your creditors. You will probably have to make only one court appearance, and that will be before a bankruptcy trustee, not a judge. Answer a few questions and you will be on your way toward a better future for yourself and your family.
Free Consultation with a Lawyer
For a free initial consultation with Smith Law Firm, call 801-404-5688 or contact us online. Our firm serves clients in Provo, Orem and surrounding areas in Utah.
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We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
