Get Your Debts Into A Single, Lower Monthly Payment With Chapter 13 Bankruptcy

Chapter 13 bankruptcy allows individuals and families to consolidate all their debt into a court-supervised monthly payment plan that can save thousands of dollars in interest and penalties. Many people who don't qualify for Chapter 7 bankruptcy to completely eliminate their debts find that Chapter 13 is a good solution. By filing, you can avoid house foreclosure and car repossession and include all your debts — even student loans and tax arrears — into one convenient payment.

Free Consultation • Stop Foreclosure

From offices in Cleveland, Twinsburg, Independence, Mentor, Russell, Westlake and Mayfield Heights, Ohio, Denman & Lerner Co., L.P.A., is ready to help you get bill collectors and creditors off your back. If you are like many people in these troubling economic times, you are probably tired of juggling monthly bills and talking to your bank about skipping a mortgage payment. Chapter 13 lets you get control of your life again.

Call 440-951-6666 to arrange a free consultation with one of our lawyers about your current debt situation. We will discuss the process and determine whether Chapter 7 is right for you or if Chapter 13 will answer your needs. Our attorneys provide bankruptcy and debt relief representation for clients throughout the Cleveland metro region and northeastern Ohio.

Here is what Chapter 13 can help you achieve:

  • Keep your house: Even if you are only a day away from the bank foreclosing on your mortgage, filing Chapter 13 will put the brakes on. You can also strip expensive refinance contracts from your original mortgage.
  • Avoid wage garnishment and levies: Creditors and the IRS will have to work with the courts to arrange a portion of your supervised monthly payment for them.
  • Lower your student loan repayment: Most supervised Chapter 13 plans extend to three to five years. By lumping your student loans into the plan, you can save hundreds of dollars in interest over the length of the repayment period.
  • Get the fresh start you need: Chapter 13 bankruptcy doesn't carry with it the heavy credit rating penalties of Chapter 7. Creditors know that you are trying, and you may qualify for credit more quickly after you have made timely payments on your supervised plan for several months.

Contact us to get the fresh start from debt that your family needs.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.