Hudsonville Chapter 13 Bankruptcy Attorneys

When you have many creditors, they all think they are the most important. It can be nearly impossible to fend them off on your own, choosing whom to pay each month. Chapter 13 bankruptcy can keep your creditors from attacking you while you make payments on your debt.

Bankruptcy plans are one of the main things we do. I will help you decide if filing Chapter 13 bankruptcy is right for you and guide you through the legal process. You can be confident that I will give you the experienced, straightforward guidance you need.

The Chapter 13 Repayment Plan

Many clients come to me worried that they will not have any money left if they repay some of their debts. I will help you create a budget that takes into account every aspect of your financial situation. You will be able to keep enough money to pay for standard living expenses, such as:

  • Food

  • Housing

  • Utilities

  • Cellphone plan

  • Clothes

  • Laundry costs

  • Home maintenance

  • Medical costs

  • Recreation

  • Court-ordered payments

The income you have left over after these expenses will be distributed to your creditors by the bankruptcy trustee. You will make payments to the plan for three to five years. After that, remaining debts will be wiped clean.

Chapter 13 Asset Protection

There are many reasons to file Chapter 13 bankruptcy. You may simply earn too much to qualify for Chapter 7 bankruptcy. However, many people file Chapter 13 in order to keep their property.

Perhaps you have fallen behind on your mortgage. Maybe you owe more than your car is worth. Chapter 13 bankruptcy lets you make payments on those debts and keep your property.

Schedule a Free Consultation With an Zeeland Chapter 13 Bankruptcy Lawyer

As an experienced bankruptcy attorney, I will work with you to create the right repayment plan and protect your interests at every stage of the bankruptcy. Call 800-980-4137 or contact me online to schedule a free consultation. We help clients in Hudsonville, Zeeland, Battle Creek, and all of the surrounding SouthWest Michigan and Lakeshore communities.

At the Haveman Law Office, PLLC, we represent clients throughout West Michigan including those in Zeeland, Holland, Holland Township, Hudsonville, West Olive, Allendale, Byron Center, Jamestown, Coopersville, Grand Haven, Wyoming, Grandville, Georgetown, all along the lakeshore including Ottawa County, Allegan and Kent County (MI).