Carol A. Tribbey, Attorney at Law, A Limited Liability Law Company
Serving Families In Kailua, Honolulu, Oahu and across the state.
Office: 808-263-8637 Cell: 808-389-1332

Why Choose Chapter 13 Bankruptcy?

Chapter 13 bankruptcy offers people an opportunity to reorganize their finances and get back on their feet again. It offers a number of advantages over Chapter 7 bankruptcy that make it worth considering.

At the Kailua law office of Carol A. Tribbey, Attorney at Law, A Limited Liability Law Company, I am dedicated to providing my clients with the best debt relief solution for their needs. I provide compassionate guidance to people through their bankruptcy and prepare them for their life after bankruptcy.

There is hope. There are solutions. Please call my law office at 808-263-8637 to schedule a free consultation. I welcome your questions and will provide you with the answers you need to make the right choice for you.

What Is Chapter 13 Bankruptcy?

A Chapter 13 bankruptcy is a reorganization bankruptcy. It offers the protection of the bankruptcy courts while you get your finances back on track. If you are in jeopardy of losing your home or your car, a Chapter 13 bankruptcy can be used to:

  • Stop foreclosures
  • Pay off mortgage arrears (past-due payments)
  • Catch up on past-due car payments

Chapter 13 bankruptcy works by setting up an affordable payment plan over a period of three to five years. At the end of the plan, any debts considered unsecured, such as credit card debt or medical debt, will be discharged.

Do Not Listen To Myths About Chapter 13 Bankruptcy

The Internet is a wonderful source of information. Unfortunately, it is not always reliable. This is especially true of bankruptcy. If you have questions about bankruptcy it is always best to speak with a bankruptcy lawyer.

A common myth about Chapter 13 bankruptcy is that you must repay everything you owe. This is not true. Chapter 13 bankruptcy does not require you repay everything you owe; your plan payment will be based upon what you can afford to pay. Any unsecured debts such as credit card or medical debts that remain at the end of your plan will be discharged.

There are certain nondischargeable debts, such as tax debts to state and federal governments, and past-due child support, which must be paid in full, but any unsecured debts owed at the end of the plan will be discharged for good.

Another fear is you could be forced into a payment plan you cannot afford. This is also false. Neither your lawyer nor the bankruptcy court wants to see you fail. Your lawyer will work to draft a plan that works with your budget. A Chapter 13 bankruptcy plan must be approved by a trustee to ensure it is affordable.

Talk To A Skilled Attorney About Your Bankruptcy Questions

When it comes to your financial future, it is incredibly important to have an attorney who will take the time to make sure your questions are answered and you understand the bankruptcy process. I will treat you with respect, take time to learn about your particular circumstances and craft an individualized bankruptcy plan tailored to meet your needs.

Schedule a free consultation today by calling 808-263-8637 or by contacting my law firm online.

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