Chapter 13

Filing for Wage-Earners Bankruptcy in New York and New Jersey

Many people with a regular income struggle to pay their bills. This does not make you a bad person. It makes you exactly like many others during these tough economic times. When you own a home or make too much to file for Chapter 7, Chapter 13 Bankruptcy might be the best option.

At Kurtzman Matera, P.C., we have more than 20 years of experience guiding clients through the Chapter 13 Bankruptcy process in New York and New Jersey. We understand the difficult situation you are in, and we will help you find the right debt relief solution.

Create a Payment Plan You Can Live With
Contact Us to Schedule a Free Consultation

Of the many debt relief options available, Chapter 13 Bankruptcy is right for many people. Chapter 7 is not available to everyone — even if you qualify, there are many reasons Chapter 13 might be the better option:

  • Most of the time, you can avoid foreclosure and keep your house.
  • Sometimes, Chapter 13 gives you the ability to strip off a mortgage.
  • You maintain your dignity by paying some of your debts back over a period of time.

In Chapter 13 Bankruptcy, our lawyer will help you create a payment plan that is acceptable to the court. Your plan will last between three and five years. Over that time, you pay back a portion of your debts or all of them depending on your circumstances. If there are unsecured debts remaining at the end of your plan, they will be discharged.

Find Out if Bankruptcy Is Right for You

We want to help you get relief from debt. If you are considering filing for Bankruptcy, contact us to schedule a free consultation with an experienced attorney. We will meet with you at one of our offices in Spring Valley, New York (845-579-2791) or Cresskill, New Jersey (201-368-0807).

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