Tuesday, April 22, 2014

How Chapter 13 Bankruptcy Can Affect Individual Financially

If your debt has got out of your control and your home is going into foreclosure.  You should seek the advice of a bankruptcy lawyer if you are thinking of filing for bankruptcy. Chapter 13 bankruptcy can be used to save your home.

When filing Chapter 13 bankruptcy, your assets are fully protected. You don’t have to worry about losing your car or home. In fact, there is no need to worry about losing anything. Any unsecured debt that you have can be completely eliminated. The only thing you will have to pay for are any secured loans that you have; however, on the bright side, your payments on such loans can be lowered to an amount that you can afford.

When you file for Chapter 13 bankruptcy, the following will stop immediately:
  • Tax collection
  • Lawsuits
  • Tax penalties
  • Harassment from creditors
  • Bank levies
  • Evictions
  • Tax interest
  • Wage garnishments
  • Foreclosures

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