431 Houston Street, Suite A | Manhattan , Kansas 66502

Chapter 13 Bankruptcy

Kansas Chapter 13 Bankruptcy Attorney Helps Consumers Keep Their Homes

Knowledgeable bankruptcy lawyer guide clients in the Manhattan area through the repayment process

If you are employed with a steady income but are still struggling with overwhelming debt and falling behind on your mortgage, the Law Office of Bruce C. Barry can help you get relief and save your home. Chapter 13 bankruptcy allows debtors to pay off a portion of their debts in installments over a three-to-five-year period under a court-ordered repayment plan and have the remainder of their qualifying debt discharged. Filed individually or jointly, with your spouse, Chapter 13 bankruptcy somewhat resembles loan consolidation that lowers your monthly payments to a manageable level. Chapter 13 may also allow you to lower your car payment(s). With extensive experience in this field, we can help clients in the Manhattan area and throughout Northeast Kansas file Chapter 13 quickly and efficiently. Once you have filed for bankruptcy, your creditors must immediately stop collections efforts, including harassing letters and phone calls. 

Kansas Chapter 13 counselor helps you avoid home foreclosure

One of the many advantages of a Chapter 13 filing is that you can save your home from foreclosure. A court-issued automatic stay stops foreclosure as soon as you file your Chapter 13 Petition. You can then cure your delinquent mortgage payments over your repayment period. Chapter 13 requires you to develop a plan with a reasonable schedule for bringing your past-due payments current, allowing you to keep your home. Our attorney at The Law Office of Bruce C. Barry has experience with foreclosure matters and puts his knowledge to use to protect your home during the bankruptcy process. 

Firm helps with lowering debt payments and protecting co-debtors

A Chapter 13 plan restructures your secured debts so that you can pay them over a longer period, often in lower payment amounts. In addition, it may be possible to protect co-signer of certain loans to avoid putting family members at risk of loss from your bankruptcy. Our attorney can do a complete analysis of your financial situation to develop and identify your best filing options. 

Contact experienced bankruptcy attorneys in Kansas

Don’t let crushing debt drive you out of your home. Chapter 13 can protect your home, your car(s), lower your monthly expenses, and allow you to discharge qualifying debt.  Call The Law Office of Bruce C. Barry at 785-236-8875 or contact us online to schedule your free bankruptcy consultation at our Manhattan office.

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