POLK & ASSOCIATES - BANKRUPTCY ATTORNEYS

Central Dallas:
Downtown / Uptown / Turtle Creek
Highland Park Place
4145 Cole Ave.
Suite 600
Dallas, Texas
(214) 740-1160
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North Dallas:
Plano / Richardson
Bank of America Bldg.
101 E. Park Blvd.
Suite 759
Plano, Texas
(214) 740-1160
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Chapter 7 Bankruptcy

Chapter 13 Bankruptcy

Common Questions

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Contact us to find out how bankruptcy law in Texas or free advice on a chapter 13 bankruptcy, a chapter 13 bankruptcy in Plano or home foreclosure in Dallas, Texas. Contact us today for a Dallas chapter 13 bankruptcy lawyer to file bankruptcy in Texas, or for best cheap information on affordable Texas bankruptcy law or to stop home foreclosure in Denton or Rockwall Texas.

Lots of FREE BANKRUPTCY INFORMATION is on our main website.


WE CAN STOP FORECLOSURE AND SAVE YOUR HOME !!!
DON’T LOSE YOUR HOUSE !!!

CHAPTER 13 BANKRUPTCY:

A Chapter 13 bankruptcy is like debt consolidation. It is the reorganization of an individual's debt with a new payment schedule but it is more complete than the "credit counseling" some non-attorney companies offer. If you make too much disposable income to qualify for Chapter 7 bankruptcy or have some specific assets you really need to protect, you will want to consider Chapter 13 bankruptcy. Give us a call and let us walk you through the process.

STOP HOME FORECLOSURES - SAVE YOUR HOUSE !!!

Chapter 13 bankruptcy can be used to stop foreclosure or repossession of your car. You may take 3 to 5 years to catch up on the back payments. You can also take 3 to 5 years to catch up on your back condo or mobile home payments and, best of all, you won’t lose your home !!! You can also lower your automobile, mobile home, and furniture payments in a Chapter 13 bankruptcy.

Our law firm can use Chapter 13 bankruptcy to avoid IRS taxes that would not be eliminated in a Chapter 7. In a Chapter 13 payment plan, interest and penalties on IRS taxes usually stop. Our clients can then pay the IRS a monthly payment that is affordable. The IRS cannot garnish our client's bank account, attach their wages, call them at work, or put a lien on their property. And if the taxes are over 3 years past due, we may be able to completely eliminate the tax debt by filing bankruptcy.

A Chapter 13 bankruptcy establishes a reasonable monthly payment for our client to pay the bankruptcy trustee. The bankrutpcy trustee then distributes this payment to all the creditors and as long as all the payments are made, all the debts go completely away.

Chapter 13 bankruptcy generally only requires debtors to repay a small portion of their total debt. You usually DO NOT HAVE TO PAY ALL OF YOUR DEBT back when you file a Chapter 13 bankruptcy. Filing a Chapter 13 bankruptcy is MUCH BETTER THAN SIMPLY CONSOLIDATING YOUR DEBTS THROUGH A "CREDIT COUNSELING" AGENCY.

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*We are a debt relief agency prescribed by Congress*
*We help people file for relief and eliminate their debts under the Bankruptcy Code*

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