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ďThank you for saving my home."
Debt Relief -
about to lose your home in a
behind on your car or house payment
with the threat of repossession or foreclosure hanging over your head?
facing a large tax bill because of
interest and penalties which keep adding up?
unable to make the regular monthly
payments on your credit card bills?
- Are you:
If so, then a Chapter 13
reorganization Bankruptcy can be a very powerful tool for you. It can be used to stop a
foreclosure sale, allowing you to catch up on missed mortgage payments
and keep your house. In addition to stopping the foreclosure
process a properly filed Chapter 13 may eliminate your 2nd mortgage.
For more information click here: SAVE
You can also use it to
refinance your auto loan. We do this by cramming down your car payments
to pay off only what your car is worth, not what you owe on it. For
example, if you owe $15,000.00 on your car and your monthly payments are
now $355.00, we can reduce your monthly payments to $161.00 if your car
is actually worth only $6,500.00. Additionally, we can also lower the
interest rate on the loan down to 10%.
You can also pay off back
taxes through your Chapter 13 plan and stop interest and penalties from
accruing on your tax debt.
A Chapter 13 bankruptcy
can save your home, your car, get rid of your second mortgage, pay off
credit cards, payoff old taxes and more. It is a lifesaver!
Chapter 13 bankruptcy stops a foreclosure immediately, lets you remain
in your home and gets you into an affordable repayment plan to catch up
on your mortgage payments. Another advantage is that you can
include your vehicle payments in your Chapter 13 plan which often lowers
your monthly car payment. Chapter 13 has consolidation power because you
combine all of your debt including credit cards, porperty taxes, income
taxes and medical bills into one set monthly payment.
13 bankruptcy has many advantages over debt consolidation. Debt
consolidation is not a legal process so your creditors are not required
to agree to any proposal you make to lower your payments. To the
contrary, a Chapter 13 bankruptcy is a legal process through which the
bankruptcy court orders your creditors to accept your plan payment.
Imagine the ease of combining all of you debt into one fixed, monthly
payment so you can keep your home, your vehicles and get rid o unsecured
debt. No longer will you have to juggle bills and try to remember
to make each of your monthly payments. Don't worry, your plan
payment is based on an amount you can afford!
Bankruptcy rules vary
from court to court. Bankruptcy law comes from the federal Congress and
is meant to be uniform across the country. But when disputes arise about
the bankruptcy laws, bankruptcy courts make the decisions--and they
don't all decide the issues in the same way. The result is that
bankruptcy law and practice vary significantly from court to court and
from region to region. Thatís why it is important to find an attorney
who is very familiar with how the Bankruptcy courts operate in your
particular area. If you live or work in the greater San Diego area and
have questions about Chapter 13 Bankruptcy, why not call The Law Offices
of Mark L. Miller. We will be happy to schedule your FREE no obligation
initial consultation to answer your questions about Bankruptcy. Your
free consultation with an attorney takes only about 60 minutes and isnít
your financial future worth 1 hour of your time?
A Chapter 13 will stop the