Chapter 13 Bankruptcy

Tri-State Bankruptcy Lawyers

The decision to file bankruptcy is never an easy one. This statement holds true whether a person is overwhelmed by massive credit card debt or whether an illness or injury that has left them unable to work or pay their medical bills. But the fact is this: if you need to file bankruptcy, you need to file bankruptcy—it simply does not matter what the reasons are.

You have nothing to be ashamed of.

Contact our lawyers to find out if Chapter 13 bankruptcy is the right option for your financial situation.

At Vital & Vital, L.C., we know from experience that there are all kinds of reasons people find themselves in financial trouble (job loss, medical problems). We also know that in the vast majority of cases, blatant financial irresponsibility is not what brings people to our doors seeking help.

Attorney Robert E. Vital and experienced bankruptcy paralegal Teresa Horn concentrate the majority of their work in the area of bankruptcy. Our firm and these two professionals will help guide you through the Chapter 13 bankruptcy process and be there to answers your questions and address your concerns as your case moves forward. They will also help you put an end to collection calls and other forms of harassment so that you can regain your peace of mind.

Under Chapter 13, you continue to pay secured debts such as your mortgage(s), federal tax obligations, student loans, and certain other debts. Your unsecured debts such as credit card debt will be reorganized in a three- to five-year payment plan by the Chapter 13 Trustee. Generally, a portion of your unsecured debt may be discharged and you will pay a percent of this debt directly to the Trustee in payments spread out equally over the length of your payment plan. The Trustee will then distribute these funds among your creditors.

While this process is going on, it is important that you follow the repayment plan religiously. If you are going to have trouble making a scheduled payment to any creditor during this time, it is important that you communicate that to the Trustee as soon as you become aware there may be a problem. If any creditors call you and try to make other arrangements during this time, it is important that you simply refer them to your attorney rather than speaking with them yourself.

A Tradition of Service to the Tri-State Community Since 1974

If crushing debt is making your life a living nightmare, you do have options. To learn more—call our Huntington, West Virginia, law offices at (304) 525-0320 or e-mail us and schedule an initial consultation. We can evaluate your financial situation and assess whether bankruptcy is right for you and if so, whether you should file bankruptcy under Chapter 7 or Chapter 13.

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