Cartwright Law Firm
BANKRUPTCY – NOT THE END BUT A NEW BEGINNING

LOOKING FOR A CHAPTER 13 BANKRUPTCY LAWYER NEAR DETROIT, MI

Filing chapter 13 bankruptcy is one option available to help individuals relieve their debts. This option is usually for individuals or married couples. Unlike chapter 7, which involves liquidating your assets, chapter 13 allows individuals to create a payment plan to pay off their debt over time (typically three to five years), thus allowing them to keep much of their belongings. Filing for chapter 13 bankruptcy is often easier to complete with the assistance of an attorney. So, consider contacting the chapter 13 lawyers at the Cartwright Law Firm, PLLC. Andrea Cartwright is an African American lawyer that provides affordable legal services alongside her chapter 13 bankruptcy lawyers to anyone living in Detroit, MI and the surrounding areas. If you would like to learn more about their services, then call today for a free consultation. Together you will work with a seasoned attorney to develop a strategic and realistic long-term plan to pay of your debt.  

The Cartwright Law Firm has helped many clients with chapter 13 bankruptcy cases in the bankruptcy court in the area. With the assistance from Andrea Cartwright and her colleagues, you can be on the path to a better and more stable financial future. Bankruptcy does not mean you have to lose everything, there are ways to protect your assets and accomplish goals with the assistance of an experienced lawyer. Chapter 13 bankruptcy is the second most common type of bankruptcy that people file for. You are not alone in this process, and you will get out with a strong plan and a bright future with the help of the Cartwright Law Firm. Get in touch with the office today if you would like to speak directly to an attorney about your circumstancesOur initial consultations are free, with a lawyer, not a paralegal. Schedule today! 

FILING CHAPTER 13 BANKRUPTCY

Before filing for chapter 13 bankruptcy, you must first make sure that you are eligible to do so. You’ll want to keep in mind both the amount of debt you have and your income. If your debt is too high, you may not be eligible to file. Conversely, if your income is too low, you may not be able to propose a payment plan that the court will approve of. If you’re uncertain of whether you’re eligible, consider contacting chapter 13 lawyers to help you examine your financial situation. Things such as your tax returns, social security payments, pension income, royalties, and more will be examined to determine income and your qualification for bankruptcy.  

 
When you file for chapter 13 bankruptcy, you’ll be required to propose a repayment plan. This plan outlines how you’ll repay your debt over a three to five year period. It may include amounts toward past due taxes, child support, unsecured creditors, house payments, and more. This plan must be made in good faith – or, in other words, it must be made with the best interests of the creditors in mind. The bankruptcy court will review the plan, your income statements, and debts then determine with the creditors whether or not the plan is acceptable. Once the three to five  year period is complete, you should be mostly debt-free. This type of bankruptcy is often ideal for those who have the ability to eventually pay off their debt, but simply need a little more time to do so. If you are facing foreclosure, this is an option that can stop you from losing your home to bankruptcy. If you are considering this course of action because of foreclosure, consider speaking to a lawyer for more insight.  
 
The first step to filing is to fill out the required forms. At this point, you may wish to contact a chapter 13 bankruptcy attorney for assistance. They will be able to ensure you are filing with the proper documents and information. You will also be required to take a credit course before you can submit your forms. Once everything is submitted, you will be required to attend a couple of hearings. During these, your trusteeor the individual in charge of helping you repay your debtwill discuss your payment plan with you. Creditors may appear to ask questions. Afterward, the court will determine whether or not to approve your plan. If the plan is approved, then you will begin making payments.

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CALL TODAY TO SPEAK TO A CHAPTER 13 BANKRUPTCY ATTORNEY

Chapter 13 bankruptcy may be the ideal choice for your situation. It allows you to relieve yourself of some of your debts while also retaining many of your assets. However, it’s important to discuss your situation with a chapter 13 bankruptcy attorney in order to make sure it’s really the best choice for your situation. The Cartwright Law Firm consists of affordable and low fee lawyers with decades of expertise. The assistance of Andrea and her colleagues will ensure you are well-informed and prepared for the process ahead of you. An attorney will walk you through important bankruptcy laws, practical repayment plans, and answer any of your questions throughout. Don’t hesitate to reach out the law office if you are searching for personalized and affordable legal service. 

Consider contacting the Cartwright Law Firm, PLLC to speak to chapter 13 lawyers that you can trust. Attorney Andrea Cartwright and her colleagues can help anyone in the following areas: 

  • Detroit, MI
  • Southfield, MI
  • Taniack, MI 
  • Oak Park, MI 
  • Royal Oak, MI 

Are you considering filing for chapter 13 bankruptcy? Then consider calling today to receive your free consultation. During the consultation, you will discuss your current financial situation directly to a reputable bankruptcy lawyer in the area. Andrea Cartwright and her colleagues offer affordable payment plans, evening appointments, and services starting at $500. Call today to schedule. 

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IMPORTANCE OF CHOOSING RELIABLE, AFFORDABLE CHAPTER 13 LAWYERS

No matter what type of debt relief you’re looking for, it’s important to find lawyers with the skill and experience to help you through the process. Andrea Cartwright and her colleagues have been helping individuals with chapter 13 bankruptcy for more than 20 years and have thousands of successful cases behind them. They know all the ins and outs of debt relief, and so can provide you with knowledgeable counsel and support. Please give them a call in order to receive a free consultation in the Detroit, MI area. 

Wondering what the difference is between chapter 7 and 13 bankruptcy? Chapter 13 bankruptcy offers time for debtors behind on house or car payments, a solution for individuals with incomes too high to quality for chapter 7, and protects assets that you don’t want sold to creditors. If any of these sound like your given situation, get in touch with the law office today for advice on how to best proceed. The Cartwright Law Firm will develop a well-designed repayment plan that offers beneficial long-term advantages for you and your family. Protect your investments and your family and team up with chapter 13 lawyers that have your best interests top of mind. Call the law firm today to schedule your free consultation.

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Our testimonials

  • Stacey Hudson Avatar
    Stacey Hudson
    11/11/2019 - Google

    Cartwright Firm provided accurate information and made a very challenging situation smooth and easy for me.

    LaCesha Brintley Avatar
    LaCesha Brintley
    12/11/2018 - Google

    BANKRUPTCY IS A HUMBLING EXPERIENCE BUT WITH DIGNITY AND THE HIGHEST LEVEL OF SENSITIVITY ATTORNEY CARTWRIGHT PUT ME BACK ON... read more

    timika haley Avatar
    timika haley
    12/11/2018 - Google

    Andrea Cartwright really came through for me n my time of need.

  • abe ele Avatar
    abe ele
    12/11/2017 - Google

    Back in 2009 my family fell really hard financially. We almost lost our house, our vehicles. Andrea was super professional... read more

Cartwright Law Firm, PLLC

LEGAL DISCLAIMER:
The information contained on this website is presented for informational and marketing purposes only and is not to be understood as legal advice. You should consult an attorney for advice respecting your individual needs. CartWright Law Firm PLLC looks forward to speaking with you about your particular needs. Please note, however, that the mere act of contacting our firm does not create an attorney-client relationship. As a result, you should never send any confidential information to our office until a Representation Agreement has been signed by both you and CartWright Law Firm PLLC.

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