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    Over 80 Years Of Experience Combined ExperienceIn Waipahu Chapter 13 Bankruptcy Cases

    When you’re filing for bankruptcy, you may be facing a plethora of emotions as you move forward in the process. You may also feel overwhelmed by all the paperwork and legalities ahead of you. Our attorneys are here to help. With over 80 years of combined experience, we have an in-depth knowledge of bankruptcy law and work to understand your specific financial situation so that we can give you the most high-quality advice possible. You can rest assured that if you are thinking about bankruptcy, you will have trustworthy legal help by your side every step of the way.

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    Understanding Chapter 13 Bankruptcy Law


    Exploring The Chapter 13 Bankruptcy Plan

    Chapter 13 bankruptcy is one of two different kinds of bankruptcy. Chapter 7 bankruptcy is the type of bankruptcy most people think of. In Chapter 7, you sell all your assets to pay off your debts and many of your debts are discharged. However, there is a more conservative option where you don’t have to sell everything. Chapter 13 bankruptcy is a more conservative option which is great for those who are in a financial bind, but have a regular income that allows them to pay off the debts. In Chapter 13 bankruptcy, you will have all your debt consolidated and a new 3-5 year payment plan will be created. You will then make payments to your bankruptcy trustee who will pay the creditors. This option is good for those who want to keep their property and other assets while they catch up on payments. Our bankruptcy lawyers can help you understand which bankruptcy option is best for you in your specific situation.

    Chapter 13 Bankruptcy Documents

    Evaluating Your Eligibility For Chapter 13 Bankruptcy

    While Chapter 13 bankruptcy may sound like a great option, not everyone is eligible. To become eligible, you must have a regular income so that you have a way to pay off your debts. Also, your debt must not be above a certain limit. The debt limit changes periodically so contacting a Waipahu bankruptcy lawyer is a good idea to help determine if you qualify.

    Is Chapter 13 Bankruptcy The Right Choice For You?

    If you’re considering Chapter 13 bankruptcy, there are several things to keep in mind before going forward with the process. While bankruptcy can change your financial situation for the better, you will want to go into it with as much information as possible. Contact our qualified bankruptcy lawyers for help to determine the best option for you.

    Addressing Property Concerns in Chapter 13 Bankruptcy

    The benefit of Chapter 13 bankruptcy is the ability to keep your property and many of your assets. Chapter 13 allows you to create a repayment plan to help pay off your overwhelming debt and as long as you continue making payments on your property, you are able to keep it. That said, the value of your property will impact your repayment plan.

    Special Considerations For Business Owners In Chapter 13 Bankruptcy

    Many people wonder how Chapter 13 will impact their business. A qualified bankruptcy lawyer can walk you through how your bankruptcy will affect your specific business, but in general, you are able to keep your business, especially if you are a sole proprietor. As a sole proprietor, your business is considered an asset which you are allowed to keep in Chapter 13.

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    Determining Your Disposable Income In Chapter 13

    Chapter 13 disposable income is the amount that you have leftover after paying your expenses. The amount is determined by taking the average of your monthly income over the 6 months before your bankruptcy filing. From there, certain expenses are taken out, such as living expenses, taxes, and any other payments you have like child support. Anything leftover is considered disposable income. This income is what will be used to pay off the creditors according to your 3-5 year repayment plan. Calculating your disposable income can be tricky, especially if your income fluctuates from month to month. Because of this, you should consult with a bankruptcy attorney to ensure your rights are protected and your disposable income is calculated accurately.

    Lawyer Helping Clients File For Chapter 13 Bankruptcy In Waipahu

    Protecting Your Home in Chapter 13 Bankruptcy

    Let our bankruptcy attorneys at Hawaii Chapter Bankruptcy ensure your home is protected when you start your bankruptcy process. We will take the time to listen to your unique financial situation, and create a detailed plan that will get you back to financial freedom while protecting your home. Contact us today for a consultation!

    Investigating Debt Reduction Strategies In Chapter 13

    Our attorneys are skilled at evaluating your financial situation and identifying what debt reduction strategies would be advantageous for your case. They will look at strategies such as lien stripping, reducing interest rates, cramming down secured debts, and more. You can have confidence in our skills to identify and implement the best strategies for your case.

    Consequences of Deviating from Your Chapter 13 Plan

    If you find yourself deviating from your Chapter 13 repayment plan, there can be some serious consequences. You could face dismissal of your case, loss of protection from creditors, loss of discharge, and more! If you’re struggling with your Chapter 13 repayment plan, contact your lawyers and we will work with you to get back on track!

    Begin Your Journey To Financial Renewal With Our Expert Bankruptcy Lawyers Today!

    Why We’re Waipahu’s Preferred Chapter 13 Bankruptcy Lawyers

    Chapter 13 BK Lawyers Helping Clients in Waipahu

    Trusted Bankruptcy Filers in Hawaii: Critical Support For Clients In Need

    Filing for bankruptcy can be an intimidating and complicated process, but if you’re struggling financially, it may be your best option. Choose our lawyers to guide you through the process and provide the support you need in this difficult time.

    Bankruptcy Procedures with Affordable Payment Plans

    Cost-Effective Payment Plans: Begin With Just $100

    At Hawaii Chapter Bankruptcy, we understand that lawyer costs can be overwhelming when you’re in the midst of bankruptcy. Let us help you by providing cost-effective payment plans that start with just $100 so you get the counseling that you need!

    Bankruptcy Strategies Customized to Your Needs

    Tailored Strategies For Your Chapter 13 Bankruptcy Case

    Our attorneys are committed to comprehending your specific financial situation so that we can provide you with advice that is tailored to your case. Contact us today for a consultation and start on your journey toward financial freedom!

    Legal Guidance To Achieve A 720 Credit Score

    Support To Achieve A 720 Credit Score After Bankruptcy

    Once you’ve completed your repayment plan, we want to stick with you and ensure you build a better future. We will continue working with you after your bankruptcy is complete to reach a 720 credit score!

    Committed Lawyers And Paralegals

    Committed Attorneys & Paralegals Ready To Serve You

    Our team at Hawaii Chapter Bankruptcy in Waipahu wants to serve you. Whether you’re considering Chapter 13 bankruptcy, need financial advice, or want help understanding your credit score, we have you covered.

    Experienced Chapter 13 Lawyers Near You At Our Waipahu Office

    Experienced & Compassionate Team Providing Personalized Legal Support

    If you’re considering bankruptcy, you have likely experienced some difficult situations and our team wants to walk you through this difficult journey and leave you better off on the other side. From negotiations to advice to personalized support, you can count on us.

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    5-Star Rated Waipahu Chapter 13 Bankruptcy Law Firm

    Blake Goodman and his staff were extremely helpful in helping us on our way to be debt free! Bankruptcy was intimidating at first but they made it easy and we didnt feel judged either! They answered all the questions we had! I highly recommend Blake Goodman as your bankruptcy attorney!

    Leticia Miner

    Five-Star Rating By Leticia Miner

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    Which Debts Can Be Discharged In Chapter 13 Bankruptcy?

    One of the benefits of Chapter 13 bankruptcy is the ability to discharge debts once the repayment plan is complete. There are a wide range of debts that can be discharged and many that cannot. Dischargeable debts include credit card debt, medical debt, personal loans, utility bills, certain student loans, and more. However, you must have completed the assigned repayment plan and done so without deviating from the plan. Debts that cannot be discharged include alimony, child support, most student loans, recent tax obligations, fines, penalties, and more. Before deciding on whether or not Chapter 13 bankruptcy is for you, consider consulting with our skilled bankruptcy attorneys who have a deep understanding of bankruptcy law, credit scores, and personal financial situations.

    Woman With Credit Card Debt In Waipahu
    • Credit Card Debt

    • Utility & Medical Bills

    • Unsecured Personal Loans

    • Business Debts

    • Debts From Repossessed Or Surrendered Vehicles

    • Payday Loans & More

    Seeking Legal Assistance For Chapter 13 Bankruptcy?

    What Happens After Filing For Chapter 13 Bankruptcy

    Steps To Follow After Submitting A Chapter 13 Petition

    After contacting a bankruptcy lawyer to determine how to go about bankruptcy, you will then work with your attorney to file for Chapter 13 bankruptcy. At that point you will experience an automatic stay which stops collections activities and prevents creditors from contacting you for the duration of your bankruptcy case. You will then be appointed a trustee who will oversee your case and make the payments to your creditors. From here there are several steps you must complete in order to make sure the process goes smoothly:

    STEP 1

    Your first step will be to attend a meeting of the creditors or 341 meeting. At this meeting you will be asked about your financial situation and the repayment plan that you suggest. Your creditors may attend this meeting, though they often do not show up.

    STEP 2

    After your plan is agreed upon and set up, you will work to make payments which will go to your trustee for the duration of the bankruptcy plan. Your trustee will be in charge of paying your creditors and you will have no contact with the creditors.

    STEP 3

    Once your repayment plan is complete, you will be given a discharge of the remaining debts that qualify. You will no longer owe money to the creditors of your discharged debts and you can go about your life in your new financial freedom.

    Key Chapter 13 Questions Answered

    What Does ‘Discharge’ Mean in Bankruptcy?

    The term “discharge” in regards to bankruptcy refers to what happens at the end of the bankruptcy process when the repayment plan is complete. At this time, most of your remaining unsecured debts will be erased or discharged and you will no longer be responsible for them.

    Can Chapter 13 Bankruptcy Prevent Foreclosure?

    Yes it can! When you file, there will be an automatic stay that occurs which stops all creditors from contacting you and any collections agencies from taking action, including foreclosures. During this automatic stay, you have a chance to catch up on mortgage payments!

    Does Chapter 13 Bankruptcy Stop Creditor Calls & Harassment?

    Yes, filing for bankruptcy initiates an automatic stay which prevents any creditors from contacting you. This includes phone calls and any other form of harassment. The goal is to give you temporary relief so you can catch up on your missed payments.

    Bankruptcy Legal Services For Waipahu & Nearby Areas

    Skilled Attorneys Offering Guidance For A Debt-Free Future

    If you are in over your head in debt and dream of a debt-free future, contact our trustworthy bankruptcy attorneys to find out what your financial options are! With years of experience under our belts and a deep understanding of bankruptcy law, we can give you peace of mind as you begin the bankruptcy process.

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    Frequently Asked Questions About Chapter 13 Bankruptcy

    How Long Does A Chapter 13 Repayment Plan Last?

    When you file for Chapter 13 bankruptcy, you will typically be required to complete your repayment plan within 3-5 years. The amount of time you have is determined by your income and how it compares to the median income in Hawaii. If your income is higher than the median, the repayment plan is typically 5 years to make up for the higher payments. The amount of time you are given to complete the repayment plan may change if there is a significant change in your circumstances during the process. In the end, how long it takes to complete the plan is determined by your income and ability to make the payments.

    What Happens If I Miss A Payment In My Chapter 13 Plan?

    If you miss a payment in your plan, contact your bankruptcy attorney right away as you may incur consequences. For a first missed payment, you will likely receive a warning from your trustee. For continued missed payments, you may be considered for a dismissal of your case which allows collections agencies and creditors to start contacting you again. If you are having difficulties making payments on your plan, it’s crucial to contact your attorney and the trustee in charge of your case to determine what the best steps are going forward.

    How Does Filing For Chapter 13 Bankruptcy Affect My Credit Score?

    Filing for bankruptcy will affect your credit score substantially. In most cases, you will see a significant drop in score and your bankruptcy will show up on your credit report for 7 years. That said, at Hawaii Chapter Bankruptcy, we are committed to taking you through the bankruptcy process and beyond. We offer courses that aim to get your credit score back to a 720 after the bankruptcy process. Our attorneys will help get you back on track so that you can move forward in life after such a difficult financial season.

    Can I Incur New Debt While In A Chapter 13 Repayment Plan?

    Yes you can, however it is generally discouraged and is subject to restrictions. Before you go into any new debt, you will be required to ask permission from your trustee or the bankruptcy court, especially if it is for a large sum. This is the case because new debt could alter your ability to complete your repayment plan which has serious repercussions. However, if you have no other choice but to take on more debt, for instance if you had a medical emergency, you can contact your bankruptcy lawyer to determine what the best course of action is.

    What Happens If My Financial Situation Changes During Chapter 13 Bankruptcy?

    If your financial situation changes throughout your bankruptcy process, you will be required to report these changes to your trustee and bankruptcy attorney. The bankruptcy court will determine how these new changes impact your repayment plan and if anything needs to be changed. If you do not report significant changes to your finances, you might be at risk to miss payments or have your case dismissed. Your bankruptcy attorney can help you understand how your changes affect you and whether or not they need to be reported.

    How Frequently Do I Need To Attend Court During Chapter 13 Proceedings?

    During Chapter 13 proceedings, there are not many court appearances that are necessary. Initially, you will be required to attend the meeting of the creditors, but after that there is rarely another court date that you will need to attend. The only reason you may need to attend court again would be because of contested issues regarding your repayment plan or any modifications to your plan. However, in most of these cases, your attorney can handle the matter and your required court attendance will be minimal.

    What Exactly Is The ‘Meeting Of Creditors’ In The Bankruptcy Process?

    The meeting of the creditors is also called the 341 meeting. This meeting is mandatory for those filing for bankruptcy and it involves you meeting with the trustee and your creditors. During the meeting, you will be asked questions about your financial situation, assets, liabilities, and any other details you provided in your bankruptcy paperwork. It is typically a short meeting and is an important step towards starting the bankruptcy process. Your Hawaii Chapter Bankruptcy attorney can attend these meetings with you to advocate for your rights.

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