Silverdale Chapter 13 Bankruptcy Lawyer
Serving Jefferson, Kitsap, Clallam and Mason Counties
Whereas a Chapter 7 bankruptcy is designed to completely discharge most forms of consumer debt, a Chapter 13 bankruptcy allows you to repay your debts gradually through a debt repayment plan which may last between 36 and 60 months. After the successful completion of your Chapter 13 debt repayment plan, the court will discharge any remaining unsecured debts which you are unable to pay.
Even if you make more than the median income in Washington, you can file Chapter 13 bankruptcy. You will set up a payment plan to repay some debts while continuing to make current payments on things such as your mortgage or car loan. You are only required to pay what you can afford toward your Chapter 13 plan (as determined by the court).
A Chapter 13 bankruptcy may allow you to:
- Stop home foreclosure
- Stop wage garnishment
- Stop an auto repossession
- Stop creditor harassment
- Discharge a significant portion of your debts (in the manner discussed above)
We have also been able to help clients who file for Chapter 13 bankruptcy restore a driver’s license if it has been suspended due to nonpayment of traffic tickets. To learn more, contact the law office of Michael R. Morrison in Silverdale, Washington.
Each case at our firm is personally managed by Michael R. Morrison, a knowledgeable bankruptcy attorney with more than 15 years of legal experience. Mr. Morrison has helped thousands of clients in bankruptcy and debt relief matters.
Minimum Chapter 13 Process
- Get a certificate of counseling from an approved agency.
- Complete the bankruptcy forms.
- Provide certain documents, to be sent to trustee.
- Produce a Chapter 13 plan and complete trustee sheet.
- File the case and pay fees.
- Receive the notice from the bankruptcy court.
- Make first payment within 30 days of filing.
- Attend 341 creditors’ meeting and answer questions.
- Get a certificate of debtor education from an approved provider.
- Send copy of tax returns and financial information to trustee annually.
- Make plan payments for 36 to 60 months and complete the plan.
- Receive discharge of dischargeable debts.
- Case closes when the trustee has completed his or her tasks.
We are pleased to discuss the Chapter 13 process further at your free consultation.
Contact a Bremerton Chapter 13 Bankruptcy Attorney
We represent clients throughout Jefferson, Kitsap, Clallam and Mason counties in bankruptcy cases. If you need to speak with a Silverdale Chapter 13 bankruptcy lawyer, we are pleased to offer a free 30-minute consultation. If possible, please bring the forms listed on our bankruptcy page with you to your consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.