Chapter 13 Bankruptcy

Is A Creditor Trying To Take Your Car Or Your Home?

Debt has its purpose, allowing us to buy homes and cars we otherwise could not afford. However, sometimes life can throw you curveballs, making that same debt feel like a noose around your neck.

Unexpected debts from medical bills, temporary job loss or a car accident can derail your life and leave you wondering how you will ever pay them back. You also live in fear that someday a creditor may demand immediate payment, risking the loss of a car or home you worked so hard to pay for.

Fortunately, Texans have options for dealing with debt that don’t involve losing those vital assets. Chapter 13 bankruptcy is perhaps the most effective of these options. Over the course of two to three years, it allows you to pay off some of your debts while discharging others completely.

Why Choose Jack N. Fuerst As Your Chapter 13 Bankruptcy Attorney

Bankruptcy is a term that carries significant stigma and instills fear among Houston residents. However, if you ask the families who have kept their cars or second homes thanks to a Chapter 13 bankruptcy, they will tell you that it provided financial relief and put them on the path to a fresh start.

Throughout Texas, many families owe their newfound financial freedom to attorney Jack N. Fuerst. The complex world of bankruptcies holds few secrets for this seasoned attorney who has 40 years of experience practicing law.

He has made it his mission to make bankruptcy affordable and accessible to everyday families like yours struggling with debt by pioneering a “zero-down” payment policy. This arrangement means you pay nothing before he files your claim. Instead, you pay him back over time, as your bankruptcy resolves and your debt diminishes.

The Advantages Of Chapter 13 Bankruptcy For Debt Relief

If you seek a swift resolution to your debts and have limited income and few assets, Chapter 7 bankruptcy may be a simpler and more expedient remedy. However, if you have significant assets, such as a second home or a car you want to keep, the Chapter 13 bankruptcy process may be the better option.

While Chapter 13 is more complex and slightly more expensive than Chapter 7, for most Texas families with resources or revenue, it’s often the wiser approach. Specifically, Chapter 13 allows you to keep some or all of the assets you would typically have to sell off in Chapter 7 bankruptcy.

Under Chapter 13, you agree to a payment plan devised by your attorney, the bankruptcy trustee and your creditors. If you make timely payments month after month, those debts will be paid or discharged within two to three years.

What An Experienced Bankruptcy Lawyer Brings To The Chapter 13 Table

Bankruptcy is an intricate process, especially when you do it correctly. Mistakes can cost you time, money and the very assets you are trying to protect. Working with an experienced lawyer like Jack N. Fuerst ensures:

• Sound Advice: Knowing whether Chapter 13 is a worthwhile and available option is always a priority.
• A Rapid Filing: Speed is of the essence when creditors are hounding you.
• Thorough Preparation: Chapter 13 bankruptcy plans are intricate and require extensive paperwork to get everything just right.
• Strategic Negotiation: After decades of dealing with creditors, Jack Fuerst knows how to get them on board.
• Effective Reorganization: Paying down your debt will be exponentially easier with the right plan.
• An affordable process: No payments up front means bankruptcy protection without the high costs.

Jack Fuerst’s experienced guidance and accessible approach help you finally get ahead of your debts. And if you can keep up with the Chapter 13 payments, bankruptcy won’t cost you your hard-earned or precious assets.

Make The Call That Will Get Your Life Back On Track

If you are struggling with mortgage payments, debt collection calls and wage garnishments, Jack N. Fuerst, Attorney At Law, is the Houston lawyer you need for Chapter 11 bankruptcy attorney services. With a long career of helping Texas families get back on their feet, his advice could be the difference between losing your house or car and the chance at a debt-free life.

To schedule a free consultation and get started on your path to financial relief, call (713) 325-0021 or contact our team online. There is no time to lose when debt derails your life. The sooner you reach out, the faster we can help you get back on track.

More Information

• What Is A Chapter 13 Bankruptcy And Who Is Best Suited For A Chapter 13?

Attorney Fuerst can help you create a manageable payment plan so you can get out of debt as quickly as possible. Call today to set up bankruptcy services.

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Should You File For Chapter 13 bankruptcy?

Paying down debt is no simple task. If you wish you had a little extra time to make payments, turn to Jack N. Fuerst, Attorney at Law for bankruptcy services.

Chapter 13 bankruptcy might be right for you if:

• You need to get caught up on your mortgage
• You’re above the median income for your area
• You own property that wouldn’t be protected in a Chapter 7 bankruptcy filing

Call (713) 325-0021 today to schedule an appointment with a local bankruptcy attorney serving the Houston, TX area.