Tips for a Successful Chapter 13

Below are tips for filing a successful Chapter 13 bankruptcy. A Chapter 13 is a repayment plan for 3-5 years. The most important advice I can give is to find a great attorney to represent you for the next few years.

• Stay in contact with your attorney! If your income or expenses change, call your attorney. A Chapter 13 success relies on timely payments to your bankruptcy trustee. If you are unable to make a payment, you have options! Not every attorney is the same. You want a live person on the phone not a voicemail. Geraci Law attorneys are available Monday-Saturday to handle your payment issues. We have a solution for almost every Chapter 13 problem.
• If you are not on payroll control, you are responsible for making payments to the bankruptcy trustee every month. Some trustees offer online debit payments but most require certified funds mailed. If the payment comes from your payroll check, you do not have to remember to send in the payment or go to the bank once a month to pick up certified funds. Geraci Law will handle your payroll request if you choose this payment method. It’s hassle free!
• Read your mail. It sounds simple but you will receive correspondence from the bankruptcy court from by mail. Some law firms will not call if there is a problem on your case and leave you to make sense of complicated information from the bankruptcy court. If you hire Geraci Law, we are representing you from the first meeting until discharge. Geraci Law clients are free to call with questions or concerns.
• Creditors can file motions with the court and your bankruptcy attorney should attend on your behalf. Many motions only take 5-10 minutes but are important to your case. Geraci Law Attorneys are in court every time it is in session. For any motion, your Geraci Law attorney is available to represent you. Some attorneys handling a few cases per month will ask other attorneys to cover the meetings or not attend at all.

Chapter 13 bankruptcies are complicated. Geraci Law has expert attorneys in Chapter 13 bankruptcy issues. We can help your case be successful.