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Helping You Create Smart Repayment Plans

Unlike Chapter 7, Chapter 13 doesn’t outright discharge your debts. Rather, it provides an opportunity for those who have fallen behind to create and negotiate manageable repayment plans, allowing you to pay off most creditors within three to five years. This is a good option if you do not qualify for Chapter 7 or if you want to minimize the risk of lost assets.

The attorneys at Miller Flannery Law LLC can walk you through all the questions surrounding personal bankruptcy, and can help you create a smart plan that works for your needs.

How Does Chapter 13 Bankruptcy Work In Indiana?

Chapter 13 is commonly referred to as “reorganization bankruptcy.” Typically, a lawyer can help you work with your creditors to create a repayment plan.

Like Chapter 7 bankruptcy, Chapter 13 has its own set of eligibility requirements. Speaking with an attorney can help you determine if this option is right for you, or if you should pursue alternative means of personal bankruptcy.

However, if you qualify, Chapter 13 may help you get on the right path. It can allow you to keep your property — including your house and car — while you make repayments. However, as with any bankruptcy option, there are potential risks and drawbacks. You will lose your credit cards and most of your disposable income. You may have a hard time getting approved for a mortgage.

At Miller Flannery Law LLC, we can help you balance your options and determine the best path forward.

Contact Us For Answers To Your Bankruptcy Questions

With an office in Lawrenceburg, Miller Flannery Law LLC serves clients throughout southeast Indiana. For a free initial consultation about your bankruptcy questions and your legal options, call us at 812-496-3666. You can also fill out our online contact form.

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