Chapter 13 Bankruptcy
Even with a steady income, you may not be able to pay all your monthly bills. This can be due to many reasons. You may have previously fallen behind due to a job loss or reduced hours. You may have stacked up a huge medical debt from an unpredicted illness or injury in the family. Your small business may have suffered a downturn or total collapse due to economic conditions. Whatever the cause, you now face a backlog of debt that you cannot pay with your current income. This can lead to creditor harassment, threats of lawsuits, mortgage default, repossessions, and sleepless nights.
Our team understands how stressful and difficult it can be to face the prospect of bankruptcy. However, it is vital to remember that this option has been made available to you by the federal government and is designed to give Americans a safe and effective form of relief when faced with dire financial circumstances. At Ziulowski & Associates, we have helped thousands of people successfully take advantage of bankruptcy options since 2003.