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Chapter 13 Bankruptcy
If you want to repay your debts but they’re putting you in danger of foreclosure, a Chapter 13 bankruptcy could be a smart move. Keep your property and create a repayment plan.
Fighting For You
A Bankruptcy Attorney Who Represents You
Chapter 13 bankruptcy is sometimes called a “wage earner’s plan.” It allows individuals with a regular income to create a reasonable plan to repay their debts.
The benefit of a Chapter 13 plan is having a say in your own repayment. You are also not required to sell any of your assets to develop this plan. It’s for those with “disposable” income that can be redirected towards creditors.
You may have ended up on this page because you know a bankruptcy is imminent in your life. Or even that you’re just fed up with the stress of dealing with creditors always calling.
The best advice we can give is to act promptly and rationally. You need a qualified, dedicated attorney who will act quickly and decisively to protect you, your assets, and your rights.
Don’t give up any of your rights without a fight. Assert your rights and know where you stand legally and financially.
Keep your property and finances safe. Retain an attorney who understands what you need for security and comfort.
Don’t let your voice go unheard. You need representation who is looking out for you. Spagnola Law Firm is your advocate.
Your Legal Advocate
The prospect of having to appear in court or comb through your finances can be intimidating. Between court dates, motions, and banging gavels, it’s tough to know where you stand and what your next moves should be.
That’s why we take a personal approach with all of our clients. We want to demystify the entire process. So you know exactly where stand and what your options are moving forward. The Spagnola Law Firm is your legal advocate and partner.
Whether it’s filing for bankruptcy or beginning your quest for debt-relief, we want you to rest easy knowing exactly what’s happening with your case.
That’s how we not only achieve satisfactory resolutions in NC bankruptcy cases, but also provide peace of mind.
Create Your Plan
Realistic Financial Solutions
In the uncertain times leading up to a Ch 13 bankruptcy, it’s especially important to have legal counsel. You need someone who’s legally representing your best interests and your rights.
Many people filing for a Chapter 13 bankruptcy don’t know how to begin. We work with you throughout the process to develop a plan that you, the courts, and your lenders can agree on. When it comes to NC bankruptcy, we’re in your corner.
Making the decision to file for bankrupcy in North Carolina can be the hardest step in the process. With effective legal representation, you can be sure you’ll never be in the dark about where you stand, legally or financially.
About Spagnola Law Firm
Strong Legal Representation in Greensboro, NC
Filing for Ch 13 bankruptcy is a stressful time. It’s difficult to even know where to begin.
Finding the right legal representation is the best first step you can take. It’s how you can begin drawing up a game-plan and know your options moving forward.
The Spagnola Law Firm has worked with hundreds of families and businesses in Greensboro and other areas of the Triad. We know the local legal system and we know how to protect your rights, interests, and assets. We consistently deliver the best results we can for every single client.
We believe everyone deserves not only their day in court, but fair and effective legal representation when that day comes. Everyone deserves a good lawyer.
If you’re facing a NC Chapter 13 bankruptcy, we can help. We learn every nuance of your specific case to ensure you have the best legal counsel when that day comes.
What Qualifies You For Ch 13 Bankruptcy?
Anyone in NC, including self-employed or unincorporated business operators, is eligable for Chapter 13 relief as long as the individual’s secured and unsecured debts are under set thresholds. We’ll help you determine if you qualify.
Is Filing Chapter 13 Worth It?
If you have disposable income, you may be in a better position to file Ch 13 than Ch 7. However, for many in debt, Chapter 13 is close to a last resort bankruptcy option. It’s definitely not something to jump into without careful consideration and the advise of your attorney.
What Do I Have to do to File For Bankruptcy?
To begin, our office needs complete information about your debts including the creditor’s name and address, the approximate date the account was opened, the approximate amount owed, and other information concerning your assets and liabilities.
Why Spagnola Law Chapter 13 Bankruptcy?
The Spagnola Law Firm is a federally designated debt-relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. That means we’re familiar with how debt and bankruptcy law works and is practiced. Which we can use on your case.