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Galveston Chapter 13 Attorneys
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These guys are amazing. They made a most horrific experience bearable. They treated me with respect and no judgment. I cannot describe how grateful I am for their representation with my case. 5 stars is not enough. I hope I never need them again but would ABSOLUTELY use them again and definitely recommend them.
— Jennifer S.
Jonathan Zendeh Del and Associates worked tirelessly on my case. They kept me informed every step of the way. In the end the got my case dismissed and I am so grateful that we out our trust in his law firm. I can honestly say the rumors were true. He really is the best.
— Kristin F.
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Galveston Chapter 13 Attorneys
Financial challenges can feel overwhelming, especially when debts start piling up and there seems to be no way out. For individuals and business owners facing these difficulties, Chapter 13 bankruptcy can provide a practical solution. Chapter 13 offers a way to reorganize and restructure debt, allowing you to keep your property while working toward a more manageable financial future. At Zendeh Del & Associates, PLLC, our Galveston Chapter 13 Attorneys are ready to guide you through the process and help you understand how this option can impact your unique situation.
Who Can File for Chapter 13 Bankruptcy in Texas?
While businesses cannot file for Chapter 13 bankruptcy, individual business owners, sole proprietors, and self-employed individuals have the option to restructure their debts through this form of bankruptcy. Chapter 13 is specifically designed for individuals who have a steady income and are facing financial difficulties that they cannot resolve through other means. This includes people who may own small businesses or operate on their own, where personal and business finances often overlap.
To be eligible for Chapter 13, you must meet certain requirements. First, your debt must fall within the allowable limits set by the bankruptcy court. In addition, you must have a regular source of income that allows you to make monthly payments toward your debt. Our Galveston Chapter 13 Attorneys can help determine if you meet the necessary criteria and assist in preparing your case for filing.
The Role of the Repayment Plan in Chapter 13 Bankruptcy
One of the key aspects of Chapter 13 bankruptcy is the repayment plan. Under this plan, you work with the court to create a structured repayment schedule to pay off your debts over a period of three to five years. This allows you to keep your assets, such as your home and car, while still paying back creditors at a rate you can afford.
The repayment plan is designed to be manageable. The amount you pay each month depends on your income, expenses, and the types of debt you have. For example, secured debts like a mortgage or car loan may take priority in the plan, while unsecured debts like credit card balances may be paid off at a lower rate. Your repayment plan must be approved by the court, but with the help of a skilled Galveston Chapter 13 Attorney, you can ensure that the plan is fair and tailored to your situation.
How Chapter 13 Differs from Other Bankruptcy Options
When considering bankruptcy options, many individuals wonder how Chapter 13 differs from other types of bankruptcy, such as Chapter 7. Chapter 7, known as liquidation bankruptcy, is focused on selling off assets to pay creditors. However, Chapter 13 offers a more flexible approach, as it allows you to keep your property while paying off your debts over time.
Chapter 13 also offers certain advantages for individuals with a steady income, such as the ability to catch up on missed payments and protect assets from liquidation. For business owners who may rely on their property to continue operations, Chapter 13 offers a way to reorganize without losing essential assets. While Chapter 7 may provide faster relief in some cases, Chapter 13 can be the better choice for individuals and business owners who want to maintain control over their assets and work toward long-term financial stability.
Benefits of Filing for Chapter 13 Bankruptcy
Filing for Chapter 13 bankruptcy offers several important benefits. First and foremost, it provides a way to avoid foreclosure on your home and repossession of your car, both of which can be devastating. With Chapter 13, you can catch up on past due payments through the repayment plan and keep your home and vehicle.
Additionally, Chapter 13 bankruptcy provides a way to discharge certain debts after the repayment period. This means that after completing the plan, some debts may be forgiven, offering you a fresh start. Chapter 13 also stops creditor harassment and collections, providing peace of mind during the repayment process. Furthermore, because you can adjust the terms of your repayment plan if your financial situation changes, this option offers a degree of flexibility that other bankruptcy types may not provide.
Challenges of Chapter 13 Bankruptcy
While Chapter 13 bankruptcy offers many benefits, it is not without challenges. The process can be lengthy, taking several years to complete. You must adhere to the repayment plan and keep up with your monthly payments, which can sometimes be difficult, especially if your income fluctuates. Failing to comply with the terms of the plan could result in the dismissal of your case, leaving you with no bankruptcy protection and still facing your debts.
Another challenge is that not all debts can be discharged under Chapter 13. Certain types of debt, such as student loans and child support, generally cannot be eliminated through bankruptcy. It is important to work with a knowledgeable Galveston Chapter 13 Attorney to understand which debts can be addressed in your case and which will remain after the bankruptcy process.
Why You Need our Galveston Chapter 13 Attorneys
Navigating Chapter 13 bankruptcy can be complex, and the consequences of not understanding the process or making mistakes in filing can be significant. That’s why it’s essential to have our experienced Galveston Chapter 13 Attorneys by your side. At Zendeh Del & Associates, PLLC, we are committed to helping you understand your rights and options, and we will work tirelessly to ensure the best possible outcome for your case.
Our team is here to provide personalized guidance and support throughout every step of the Chapter 13 process, from determining eligibility to filing your case and managing the repayment plan. With our assistance, you can navigate the legal complexities of bankruptcy with confidence and peace of mind.
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Common Mistakes People Make When Filing for Chapter 13 Bankruptcy
Filing for Chapter 13 bankruptcy can be a great solution for individuals in Galveston who need a fresh start. However, many people make mistakes that can delay the process or even cause their case to be dismissed. At Zendeh Del & Associates, PLLC, we have seen these common mistakes time and time again, and we want to help you avoid them. Understanding these pitfalls can give you the confidence to move forward with your bankruptcy case in a way that works best for you.
Not Fully Disclosing All Financial Information
One of the most important parts of filing for Chapter 13 bankruptcy is being completely transparent about your finances. This includes listing all of your debts, income, and assets. Some individuals may try to hide certain debts or assets in hopes of reducing their repayment plan. Unfortunately, this is a mistake that can lead to serious consequences, including having your case dismissed. It’s important to be honest with the court and with your attorney about all financial matters.
Failing to Keep Up with Monthly Payments
When you file for Chapter 13 bankruptcy, you enter into a repayment plan that lasts for several years. Missing payments or failing to keep up with your monthly schedule can result in the court dismissing your case. For people already facing financial struggles, this can be a very discouraging mistake to make. Staying on top of payments is essential to successfully completing your repayment plan and receiving a discharge of your remaining debts.
Choosing the Wrong Repayment Plan
Every individual’s financial situation is unique, and your repayment plan should reflect your income and living expenses. Some people make the mistake of choosing a repayment plan that is too high or unrealistic for their situation. If your monthly payment is set too high, you may find it difficult to make ends meet. On the other hand, if it’s too low, you may not be able to repay your creditors in a reasonable amount of time. A knowledgeable bankruptcy attorney can help you create a repayment plan that suits your financial situation and goals.
Not Seeking Professional Guidance Early Enough
Many people wait too long to seek legal help when filing for bankruptcy. They may attempt to file on their own or rely on generic online resources to navigate the process. This can lead to mistakes that could have been avoided with proper legal guidance. Bankruptcy laws are complex, and filing correctly is crucial to ensuring that you achieve the desired outcome. It’s important to seek the help of a seasoned bankruptcy attorney as early as possible to guide you through the process.
Ignoring Other Financial Options
Chapter 13 bankruptcy is a powerful tool, but it may not be the right solution for everyone. Some people rush into filing for bankruptcy without exploring other options. If you are struggling with debt, it’s important to consider all your options, such as debt settlement or negotiating with creditors, before filing for bankruptcy. A knowledgeable bankruptcy attorney can help you assess whether Chapter 13 is the best option for you or if other alternatives might be more beneficial.
Not Understanding the Impact of Bankruptcy on Your Credit
While Chapter 13 bankruptcy can provide relief from overwhelming debt, it’s important to understand the long-term effects on your credit. Some individuals make the mistake of not fully considering how bankruptcy will affect their financial future. Bankruptcy can stay on your credit report for several years, but it also provides a chance for you to rebuild your credit over time. Understanding the impact on your credit and planning for the future is key to successfully moving forward after bankruptcy.
Frequently Asked Questions About Chapter 13 Bankruptcy
If you’re considering Chapter 13 bankruptcy as a path to financial recovery, you likely have a number of questions. At Zendeh Del & Associates, PLLC, we understand the importance of informed decision-making when it comes to your financial future. Our experienced Galveston Chapter 13 Attorneys are here to provide clear answers to some of the most common questions individuals have when exploring Chapter 13 bankruptcy.
What is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy is a form of debt relief that allows individuals to reorganize and repay their debts over a period of time, typically 3 to 5 years. Unlike Chapter 7 bankruptcy, which involves liquidating assets, Chapter 13 enables you to keep your property while making affordable monthly payments to your creditors. The goal is to help you regain control of your finances and discharge some of your debts once the repayment plan is completed.
Am I Eligible for Chapter 13 Bankruptcy?
To qualify for Chapter 13 bankruptcy, you must meet certain criteria. You must have a regular income to make monthly payments toward your debt, and your total secured and unsecured debt must fall within the limits set by the bankruptcy code. These limits are periodically adjusted, so it’s important to consult with a Galveston Chapter 13 Attorney to assess your eligibility based on your specific financial situation.
What Are the Benefits of Chapter 13 Bankruptcy?
Chapter 13 bankruptcy offers several advantages to individuals facing financial challenges. One key benefit is the ability to keep your home, car, and other assets while paying off your debts over time. Additionally, Chapter 13 can stop foreclosure proceedings, repossession actions, and wage garnishments, offering you immediate relief. Once you complete your repayment plan, certain unsecured debts, such as credit card balances, may be discharged, giving you a fresh start.
How Does the Chapter 13 Filing Process Work?
The process of filing for Chapter 13 bankruptcy begins with gathering detailed information about your financial situation, including income, expenses, debts, and assets. Your Galveston Chapter 13 Attorney will guide you through preparing and filing your bankruptcy petition with the court. After your filing, the court will approve a repayment plan, which outlines how you will pay your creditors over the designated period. Throughout the process, your attorney will represent you and ensure that all legal requirements are met.
How Can Zendeh Del & Associates, PLLC Help Me?
Navigating the complexities of Chapter 13 bankruptcy can be overwhelming, but with the guidance of our experienced team at Zendeh Del & Associates, PLLC, you don’t have to face it alone. Our Galveston Chapter 13 Attorneys will assist you every step of the way, from determining your eligibility to creating a personalized repayment plan and guiding you through the filing process. We are committed to helping you achieve the debt relief you deserve and working toward a brighter financial future.
Galveston Chapter 13 Bankruptcy Client Story
This client story is for educational purposes only.
Margaret sat alone in her small Galveston apartment, her head buried in her hands, overwhelmed by the mountain of bills that seemed to grow larger every day. The phone calls from creditors never stopped, each one bringing a new wave of anxiety. Her credit cards were maxed out, and her car was on the verge of being repossessed. She felt trapped in a never-ending cycle of debt, with no way out. The stress had begun to take a toll on her health, and the uncertainty about her future left her paralyzed with fear.
She had tried to ignore it, to push it all aside, but no matter how hard she worked, the bills just kept piling up. She was drowning, and the weight of it all was unbearable. Margaret’s dreams of a better life felt out of reach. Every time she thought about the future, all she could see was a deep, dark hole with no way to escape.
That was until she found Zendeh Del & Associates, PLLC.
One evening, after another stressful day, Margaret decided to take a chance and reach out for help. She knew she needed to make a change but wasn’t sure where to turn. She found Zendeh Del & Associates, PLLC online and decided to call. That decision would change her life.
Attorney Gabe Perez answered the phone. His voice was calm and reassuring, a stark contrast to the chaos in Margaret’s life. Gabe listened to Margaret’s story without interrupting, allowing her to express all her fears, frustrations, and uncertainties. When she finished, Gabe didn’t offer empty promises, but he did offer something more valuable: hope.
Gabe explained how Chapter 13 bankruptcy could give Margaret the chance to regain control of her finances. He helped her understand that filing for bankruptcy wasn’t the end of her story, but a fresh start. He took the time to walk her through each step of the process, explaining how Chapter 13 would allow her to protect her home and car while reorganizing her debts into manageable payments.
For the first time in a long while, Margaret felt a glimmer of hope. Gabe didn’t just see her as a case number; he saw a person who had been struggling, who needed help to rebuild her life. The compassion and understanding he showed made all the difference.
As the weeks went by, Margaret worked closely with Gabe and the team at Zendeh Del & Associates, PLLC. They filed her Chapter 13 petition, and soon after, Margaret began to feel a weight lift off her shoulders. The constant harassment from creditors stopped, and for the first time in years, she could breathe again. Gabe guided her through the entire process, making sure she understood everything and felt confident every step of the way.
When Margaret’s Chapter 13 plan was approved by the court, she felt a sense of relief she hadn’t experienced in years. The burden of her debt was finally manageable. She could now focus on rebuilding her life, free from the constant fear and stress that had held her back.
Today, Margaret is on her way to financial recovery. She’s working hard to pay off her debts, but this time, she has a plan. And most importantly, she has hope. The compassion and guidance of Attorney Gabe Perez and the team at Zendeh Del & Associates, PLLC made all the
Get the Help You Need from Skilled Galveston Chapter 13 Attorneys
If you are facing overwhelming financial difficulties, it is important to understand that you do not have to go through this process alone. Chapter 13 bankruptcy can provide relief by restructuring your debt, allowing you to regain control of your financial future. The team at Zendeh Del & Associates, PLLC is here to guide you through every step of the process and help you find a solution that works for your unique situation. With years of experience handling Chapter 13 cases in Texas, we are committed to providing the support and legal guidance you need to make informed decisions about your finances.
Why Choose Zendeh Del & Associates, PLLC
Navigating bankruptcy can be complex and stressful, but with the help of our experienced Galveston Chapter 13 Attorneys, you can have peace of mind knowing that we will work diligently to protect your interests. Our firm understands the challenges that come with financial struggles, and we take a compassionate approach to every case we handle. Whether you are dealing with credit card debt, medical bills, or mortgage issues, we will take the time to understand your financial situation and create a plan that can provide long-term relief. Our goal is to help you rebuild your finances and secure a fresh start.
If you are ready to take control of your financial future and explore the benefits of Chapter 13 bankruptcy, we encourage you to reach out to Zendeh Del & Associates, PLLC. Our team of Galveston Chapter 13 Attorneys are ready to listen to your concerns, answer your questions, and guide you through the bankruptcy process. We are here to help you understand your options and make the best decisions for your financial well-being.
Don’t wait any longer to get the help you need. Call us today to schedule a consultation. Together, we can work towards a solution that will help you move forward with confidence.
Client Reviews
Jonathan and Natalie have so much expertise in handling evidence, reports, and documentation and my case proved it. They made sure every detail was correct down to the most minuscule piece, and because of that we we’re able to get the case dismissed due to some inaccuracies. Extremely grateful for them!
Jesse Miranda