New York Chapter 13 Bankruptcy Attorneys

Chapter 13 Bankruptcy, known as the "Wage Earner Bankruptcy," is designed for those individuals who are able to repay a portion of their debts over a three-to-five year period of time.

Common reason to file Chapter 13 are:
Own property not be considered exempt under Chapter 7.
Save your Home without fear of foreclosure.
Save your Car without fear of repossession.
Have debts worked out, such as student loans.
Earn too much to qualify for Chapter 7 then Chapter 13 can work.

During the course of your Chapter 13 bankruptcy, you will not be permitted to save any money, including putting money into a pension plan or repaying a pension loan. This is because, by filing a Chapter 13 bankruptcy and by seeking the protection of this portion of the law, you are agreeing to pay to the trustee all money not being spent on necessities each month. If you were to put money away for the future, that would break the terms of your agreement with the court. On the other hand, however, you will be able to be secure in the knowledge that you are paying your debts and will emerge from your bankruptcy owing no money to anyone else.

You should know you have certain legal rights and must be very selective of the Lawyer or Law Firm that you chose to represent you. The New York lawyers at Castiglia-Rubinstein & Associates are available to help you and your family with all of your bankruptcy needs.


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