Reorganize Your Debt

 - Payment Plans Available
- Stop Creditor Harassment
- Stop Foreclosure
- Stop Repossession
- Stop Garnishment
- Stop Utility Shutoffs

 If credit counseling is not working or has turned out to be different than it was marketed, you are not alone. Individuals nationwide have been misled into credit counseling programs that are expensive, unenforceable under state and federal law and damaging to credit ratings. 

A Chapter 13 court protected plan may be no worse on your credit, will almost always be interest free and you are able to pay all or a portion (pennies on the dollar) of your debt to your unsecured creditors (i.e. credit cards). Your Chapter 13 monthly payment should be affordable. Your Chapter 13 plan will be signed by a federal Judge making it fully enforceable under state and federal law. If your credit counseling program is simply not working call our offices today for a free comparison. 

 If your home is in Foreclosure, a Chapter 13 court protected repayment plan will stop the foreclosure dead in its tracks. In Chapter 13, you will be provided the opportunity to get caught up on your mortgage payments over a five (5) year period - with reasonable monthly payments. As soon as you file for Chapter 13, the automatic stay serves to put an end to the foreclosure lawsuit. You must file your Chapter 13 before your home is sold at Sheriff's sale. Contact our offices today for a free consultation. 

 If you are behind on your car payments, your car lender may repossess your car at any time. Chapter 13 provides a solution. In Chapter 13, your car will be protected and you may be able to modify your car loan down to the fair market value of the vehicle. This will reduce the amount that you must pay for the vehicle. Even if your car has already been repossessed, if you file for Chapter 13 protection, your car lender must return the vehicle to you. If your car has already been sold at auction, you may not be able to demand the return of your vehicle. Contact our offices for immediate vehicle protection. 

-in debt because of a failed marriage or cosigned loans
-overwhelmed with high interest finance company personal loans
-stuck in the pay check advance cycle that never ends
-have back taxes which require a payment plan
-being threatened by Utility companies to shut off your gas, lights, telephone or water

Call The Cocirteu Law Firm to help end these problems!