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Filing for Bankruptcy Protection is not a choice to be taken lightly. Competent, experienced legal representation is a must to help explore your options in this complicated area of the law.
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Chapter 13 (Individual Reorganization) Bankruptcy Cases
Chapter 13 provides individuals with an opportunity to reorganize debts. Longer payout, discounted payout and court protection through an automatic stay are available. Many code provisions apply to all chapters, while 11 U.S.C. ยง1301, et seq. applies only to repayment plans. Chapter 13 is designed to provide a cloak of protection through the courts. Under court supervisions, most collection efforts are prohibited while a proposed plan is prepared for court review. All personal bankruptcy laws are currently the topic of hot debate in both houses of Congress, especially payment amounts required for Chapter 13 plans. Also, many people mistakenly believe debtors retain all assets when filing Chapter 13. The law is clear: no plan will be confirmed that provides creditors with less recovery than available if the case was filed under Chapter 7. For Chapter 13 plan confirmation, individuals must maintain a regular income which is why Chapter 13 is sometimes referred to as a "wage earner plan." This chapter is ideally suited for individuals who are employed and desire court protection from creditors. Partial plans are permitted in which the remaining balance owed, when the plan ends, are discharged similar to Chapter 7.
Legal Representation our firm offers to our Clients includes:
- Preparing and filing the Chapter 13 bankruptcy petition, schedules, and other required pleadings.
- Preparing and filing the Chapter 13 plan for Repayment.
- Representing you at the "341a" meetings where theChapter 13 Trustee questions you about your assets, liabilities, and ability to make Chapter 13 plan payments.
- Representing you at all Chapter 13 plan confirmation hearings held in Bankruptcy Court.
- One flat fee pays for as many "341a" and confirmation hearing appearances as are necessary to complete your case.
- Our prices are competitive with prices charges by lawyers with much less experience - Don't Pay More, Get More!
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Toll Free (866) 606-6125
Ph (304) 932-0691
Fax (304) 881-0292
E-mail: info@ronhatfieldlaw.com
This law firm has been designated as a "debt relief agency," helping people with relief under the Federal Bankruptcy Code.
HATFIELD LEGAL SERVICES Disclaimer: The information on federal bankruptcy law, filing bankruptcy in West Virginia, Chapter 7 bankruptcy, personal bankruptcy, Chapter 13 bankruptcy, Chapter 11 bankruptcy, business bankruptcy, credit card bankruptcy, and other bankruptcy legal information presented at this site does not constitute legal advice and does not create any attorney-client relationship or contract of any kind with Hatfield Legal Services or Ronald K. Hatfield, Esq.
Hatfield Legal Services uses a written contract for each bankrkuptcy client and will only be representing you in your West Virginia matter if you and the law firm sign a written legal representation contract and you pay Hatfield Legal Services for the bankruptcy legal services it performs for you. Information on this Hatfield Legal Services web site is provided for informational and educational purposes only. You should never make legal hiring decisions solely upon web pages, brochures, advertising or other promotional materials. Please contact Hatfield Legal Services for your free first consult to find out whether Hatfield Legal Services can represent you.
This web site might be characterized as an advertisement under West Virginia State Bar Rules and is not intended to solicit clients for matters outside of the State of West Vrginia. Always seek the advice of an attorney from your own jurisdiction before relying on information from this site or any web site.