Bibb County Lawyers Handling Chapter 13 Bankruptcy

Are you falling behind on your bills, but still able to make partial payments to some of your creditors each month? Do you have a source of income, but not quite enough incoming cash to match your monthly bills? If so, Chapter 13 can help you regain your financial stability.

At Cargile & Hodnett, llc, we help individuals throughout Bibb County determine whether bankruptcy is right for them. We can answer your questions and make it possible for you and your family to get the fresh start you need.

How Does The Chapter 13 Bankruptcy Repayment Plan Work?

Some people don't qualify for Chapter 7 and others may not find it to their advantage to completely eliminate their debt.

Many people just need a financial break, which reconfiguring debt through Chapter 13 offers. You can qualify for Chapter 13.

Under the Chapter 13 code, you can consolidate all of your debt into a court-supervised repayment plan. Using debt consolidation, we can help you save thousands of dollars in interest, fees and penalties. Chapter 13 allows you to include your student loans and other types of debt that you can't include in Chapter 7. Under certain conditions, you can even strip off a second mortgage to get your house payment back to where it was when you first bought the house.

Contact Our Attorneys For Help Restructuring Your Debt

Learn how our experienced lawyers can help you restructure your debt by scheduling a free initial consultation. From our office in Centreville, Alabama, we are well-positioned to help individuals throughout the southwest Birmingham metro. Contact us online or call 205-316-9115 to get started.

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