Filing For Chapter 13 Bankruptcy
When debt piles up, even a small change to one of your payments may lift some of your burden. Imagine making changes to all of your payments — changes that make it possible for you to pay every bill on time, with enough money left over to stop worrying about your everyday expenses. That is what Chapter 13 bankruptcy can do for you. Through Chapter 13 bankruptcy, you can keep your home, your car and your other possessions while making a reasonable plan to pay back your debts over a three- or five-year repayment period.
Attorney Kevin Kolb of Kolb & Murray, P.C., helps Texans in Seguin, Schertz, Gonzales and surrounding areas find relief from overwhelming debt. In addition to 21 years of legal experience, Kevin has extensive financial knowledge as a certified public accountant (CPA) and a Master of Law (LL.M.) in taxation. He will use his knowledge to ensure your Chapter 13 bankruptcy plan makes sense for you and your financial situation.
A Better Way To Keep Your Texas Home
If you face foreclosure, Chapter 13 may be a better option for you than Chapter 7, even if you qualify for Chapter 7. Unlike in Chapter 7 bankruptcy, you will continue to make payments on your home loan. These payments will be restructured as part of your bankruptcy plan. Your lender will not be able to foreclose on your home until you make your agreement, and then only if you default on your bankruptcy plan.
There are also options to negotiate your home mortgage or other debt, which Kevin can discuss with you during your initial consultation.
An Advocate For A Better Financial Future
As your lawyer, Kevin Kolb will work directly with you to guide you through the process and answer your questions. He will give you a packet of forms to fill out, but the rest of the legal burden will rest with him. If you are able to provide him with the necessary financial information, the process will go quickly. In the meantime, there will be an immediate automatic stay that will stop creditor harassment, stop foreclosure and put you at ease that you made the right decision.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.