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Wootton & Wootton, P.C. | Bankruptcy Help For Everyday People
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PLEASE NOTE: To protect your safety in response to the threats of COVID-19, we are offering our bankruptcy clients the ability to meet with us in person, via telephone, or through video conferencing. Please contact our office to discuss your options.

Bankruptcy Help For Everyday People

Chapter 13

Insurmountable debt occurs when your monthly debts and expenses amount to more than your monthly income. Debt problems of this kind are certainly not limited to those in a low-income bracket. In fact, many people with income too high to be eligible for Chapter 7 bankruptcy are still facing debt problems and need a way out.

If you are facing serious debt problems, yet you have some assets you can afford to keep, contact our North Carolina law firm for a free initial consultation to discuss Chapter 13 bankruptcy.

At Wootton & Wootton, P.C., we are here to help you find a fresh financial start. Our Durham Chapter 13 bankruptcy attorneys have more than 40 years of combined legal experience. We will help you determine whether you qualify for Chapter 13 bankruptcy and whether this would be a good option for you. If you do decide to file for Chapter 13 bankruptcy, we will walk you through the entire process for one low, flat-rate fee.

The Benefits Of Chapter 13 Bankruptcy

Chapter 13 is a popular bankruptcy choice for many of our clients, with benefits that include:

  • Catching up on your payments: When you file for Chapter 13 bankruptcy, the automatic stay goes into effect. This prohibits your creditors from engaging in any collection activities during the bankruptcy proceedings. This could give you the breathing room you need to get caught up on many of your payments.
  • Retaining many of your assets: With Chapter 13 bankruptcy, you can retain many of your assets. You might be able to save your home, your car and other assets. After completing the payment plan, your remaining unsecured debt will be discharged.
  • Manageable monthly payments: Chapter 13 involves a repayment period of three years or five years, involving more manageable monthly payments. Some repayment plans have monthly payments as low as $100 per month, including attorney fees!
  • Low upfront costs: At Wootton & Wootton, P.C., we have surprisingly low upfront costs for our Chapter 13 clients. Contact us to learn more.

Contact A Henderson Debt Restructuring Attorney ∙ 919-794-8660

Call 919-794-8660 or email us to schedule your free initial consultation with a North Carolina Chapter 13 bankruptcy lawyer from Wootton & Wootton, P.C.

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