Gastonia Chapter 13 Bankruptcy Attorneys

In many cases, Chapter 13 bankruptcy protection is the best way to relieve our clients of debt burdens and ensure that their assets are protected. Often called the "wage earner's" plan, Chapter 13 allows for substantial modification and consolidation of all debts that you are able to afford to repay. You are still granted the protection of the automatic stay of bankruptcy, and you are still able to eliminate most unsecured debts, including:

  • Credit card debt
  • Medical bills
  • Tax debt older than four years
  • Personal loan debt
  • Pay day loan debt
  • Gambling debt

At Sigmon & Henderson, PLLC., our attorneys have been helping people in Gaston County and throughout North Carolina obtain affordable, effective and efficient debt relief through Chapter 13 bankruptcy. We fully evaluate your entire financial picture before ruling out Chapter 7 bankruptcy and any other debt relief alternatives, but Chapter 13 is often the best way to protect your home, car and other assets.

Contact Sigmon & Henderson, PLLC., to schedule a free initial consultation with an attorney. Call us in Gastonia at 704-269-6374 to discuss the debt relief options and protections our professionals can help you secure.

Chapter 13 Debt Repayment Plans

With a well-prepared Chapter 13 bankruptcy filing, you will be on your way to a fresh financial start, and all communications with your creditors and the Bankruptcy Court will be routed through our office in order to allow you to focus on reorganizing your budget.

Our law firm will help you customize a three- to five-year debt repayment plan for debts you cannot eliminate completely such as mortgage loans, auto loans, student loans and recent tax debt. This process is required by the Bankruptcy Code. We will negotiate more favorable terms with your lenders, working to clear late payment penalties, decelerate your mortgage, and strip a second mortgage and/or lien obligations on any property.

In effect, Chapter 13 consolidates your debt obligations into an affordable repayment plan and provides you the protections of bankruptcy. You will have one payment each month to make to the bankruptcy trustee, and we will help you budget for life after bankruptcy.

Contact Our North Carolina Foreclosure Lawyers Today

Call us at 704-269-6374 or email us to schedule a free initial consultation with an experienced Gastonia Chapter 13 bankruptcy lawyer.

Please review our FAQ page and complete a first consultation form .

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.