Who are our clients? They are people of all walks of life, all ages, all backgrounds.  Couples, families, individuals.  Some own large homes, some are staying with friends or family indefinitely. But they all have several things in common.  See if you recognize yourself at all here: They hit a hard patch with their finances.  They […]

When going through a difficult process such as bankruptcy, it was wonderful to have someone like Ms. Bettis to help guide me through its stages. She explained the process to me so that it was less intimidating and I felt comfortable making decisions. She went above and beyond to help me and helped when creditors […]

Making the Plan Work The provisions of a confirmed plan bind the debtor and each creditor. Once the court confirms the plan, the debtor must make the plan succeed. The debtor must make regular payments to the trustee either directly or through payroll deduction, which will require adjustment to living on a fixed budget for […]

A chapter 13 bankruptcy is also called a wage earner’s plan. It enables individuals with regular income to develop a plan to repay all or part of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years. If the debtor’s current monthly income is less […]

Advantages of Chapter 13 Chapter 13 offers individuals a number of advantages over liquidation under chapter 7. Perhaps most significantly, chapter 13 offers individuals an opportunity to save their homes from foreclosure. By filing under this chapter, individuals can stop foreclosure proceedings and may cure delinquent mortgage payments over time. Nevertheless, they must still make […]