Making a financial plan through Chapter 13
Through a Chapter 13 bankruptcy, you can pay debts in installments over a period of three to five years under a court-ordered repayment plan. Filed individually or jointly with your spouse, Chapter 13 bankruptcy gives you a fresh financial start. Like a consolidated loan, you make payments to a trustee who distributes the money to your creditors and thereby allows you to avoid further direct contact with your creditors. Your creditors must immediately stop collection efforts, including harassing letters and phone calls, once you have filed for bankruptcy. With 10 years of Chapter 13 experience, Laura Menard at Menard Law Office, LLC assists you in making the best financial plan through bankruptcy.

Avoid home foreclosure
One of the many advantages of filing for Chapter 13 is that you can save your home from foreclosure. An automatic stay stops foreclosure from progressing as soon as you file your Chapter 13 petition. You are given the opportunity to cure delinquent mortgage payments over the course of the repayment period. The plan provides a reasonable schedule for bringing your past-due payments current so you can keep your home. Laura incorporates substantial bankruptcy experience with foreclosure knowledge to protect Ohio and Michigan homeowners during the bankruptcy process.

Lowering debt payments and protecting co-debtors
Through your Chapter 13 plan, you can reschedule secured debts and pay them over the course of the repayment period, often at lower payments. You may also be able to protect co-signers of certain loans and avoid putting business partners and family members at risk of loss from your bankruptcy. Laura does a complete analysis of your financial situation to strategize your best filing options.

Contact a dedicated Chapter 13 bankruptcy attorney in Ohio and Michigan
Menard Law Office, LLC is located in Toledo, OH and serves clients throughout Ohio and Michigan

Call Menard Law Office, LLC at 419-491-4818 or contact Laura Menard online to schedule your free consultation.

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