man reads bankruptcy chapter 13 law in the office

Filing Chapter 13 bankruptcy can help you stop debt collectors and creditors from harassing you about your debts. Chapter 13 bankruptcy, also known as wage earner bankruptcy, allows individuals with a steady income to set up a court-supervised repayment plan to pay back all or a portion of their debts over a three to five year period.

If you are struggling with unmanageable credit card bills, medical bills, tax debt, or other obligations, filing for Chapter 13 bankruptcy may give you a fresh financial start. Here are the key benefits:

  • Stop debt collection calls and lawsuits. Once you file for Chapter 13 bankruptcy, an automatic stay goes into effect that stops all debt collection efforts against you, including phone calls, letters, lawsuits, and wage garnishments. This gives you a reprieve from creditors.
  • Consolidate debts into one payment. The court-supervised repayment plan created in Chapter 13 bankruptcy combines all your unsecured debts, such as credit cards and medical bills, into one single monthly payment that is more manageable.
  • Lower interest rates and fees. The bankruptcy court has the power to reduce the interest rates and certain fees on your debts to make your monthly payments more affordable.
  • Save your assets. Unlike Chapter 7 bankruptcy, Chapter 13 allows you to keep assets like your home, vehicles, and retirement accounts by repaying creditors over time.

If you need help filing for Chapter 13 bankruptcy to stop debt collectors and consolidate your debts into one payment, contact the Law Offices of Kim Parker, P.A. Our experienced bankruptcy attorneys can review your financial situation and explain the bankruptcy process in detail. Submit your inquiry at to schedule a free consultation.

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