A Chapter 13 Bankruptcy is a powerful financial tool that allows an individual or married couple to reorganize their finances and provide time to repay late mortgage payments, restructure car loans, reduce interest, stop garnishments, and reduce overall debts with no risk of loss of assets. Generally speaking, a Chapter 13 reorganization plan requires a commitment of three to five years but most people complete the process current on their mortgages, with their cars owned free and clear, and otherwise debt free!
Chapter 13 cases are a long-term commitment and have many potential pitfalls. It's absolutely crucial that you have someone that will be there to guide you every step of the way. Some bankruptcy practitioners aren't willing or able to take on Chapter 13 cases at all. Others do the bare minimum required under the law, and even then rarely are personally involved, preferring to delegate everything they can to clerks and assistants. I don't work that way; I take personal care of every case, every step of the way.
If you think a Chapter 13 might be right for you, or if you aren't happy with your current representation, let me review your situation and see if I can help you through the process.