If you have fallen behind on your mortgage payments due to losing your job, getting a divorce, or accumulating mounting medical bills due to a health issue, Lam Law Firm may be able to help. When filing a Chapter 13 bankruptcy, you have the ability to consolidate, prioritize, repay, and even eliminate debts. This form of bankruptcy is commonly called a "wage earner plan" and will appear on your credit report for up to ten years.
A Chapter 13 bankruptcy is designed to stop:
Harassment from creditors
Contact the firm today to learn more about your bankruptcy options.
A person who is interested in filing for a Chapter 13 bankruptcy must have an income greater than his or her expenses in order to have the means of repaying creditors. Attorney Lam will require you to provide 6 months of pay stubs from any source of employment, business earnings, or government benefits in order to conduct the MEANS test. The MEANS test will consider your 6 months income multiplied by 2, to calculate your annualized yearly income.
As a skilled Myrtle Beach bankruptcy lawyer, Attorney Lam is proud to have been able to help clients save their home in spite of having to file for bankruptcy. When you choose her as your attorney, you will work directly with her to formulate a plan to pay back your mortgage. Whether you are facing foreclosure or are already in the midst of a foreclosure, the sale date on your home may be stopped by filing for a Chapter 13 bankruptcy.
At the first meeting, Attorney Law can discuss Chapter 13 bankruptcy as well as any other options you may have. Don't face creditors and bills alone without the help of a knowledgeable lawyer on your side.
Call a Myrtle Beach bankruptcy lawyer at Lam Law Firm
at (843) 695-7700 for a free consultation.