Welcome to CALCAGNO AND ASSOCIATES, a Bankruptcy Law Firm – Your Trusted Chapter 13 Bankruptcy Advocates

If you are struggling with overwhelming debt and want to take control of your financial future, Chapter 13 bankruptcy may be the solution you need. At CALCAGNO AND ASSOCIATES, a Bankruptcy Law Firm, our dedicated chapter 13 bankruptcy team is here to guide you through the process and help you develop a realistic plan to repay your debts while keeping your assets.

Chapter 13 bankruptcy, often referred to as “reorganization bankruptcy,” is a legal process that allows individuals with a steady income to restructure their debts and create a manageable repayment plan. Unlike Chapter 7 bankruptcy, Chapter 13 does not involve liquidation of assets but focuses on creating a sustainable payment plan that spans three to five years.

1. Stop Foreclosure and Repossession: If you are at risk of losing your home or other assets due to foreclosure or repossession, Chapter 13 bankruptcy can provide an opportunity to save your property. By creating a repayment plan, you can catch up on missed mortgage or car loan payments and protect your valuable assets.
2. Debt Consolidation and Reduction: Chapter 13 bankruptcy consolidates your debts into a single, manageable monthly payment. It allows you to prioritize and repay certain debts while potentially reducing or eliminating others, such as credit card debts or medical bills. This can significantly alleviate your financial burden and provide a structured path towards debt freedom.
3. Extended Repayment Period: Chapter 13 bankruptcy allows you to extend the repayment period for your debts, typically ranging from three to five years. This extended timeline provides you with the opportunity to catch up on missed payments, reduce interest rates, and regain control over your financial obligations.
4. Protection from Creditors: Upon filing for Chapter 13 bankruptcy, an automatic stay is issued, providing immediate relief from creditor actions, including collection calls, wage garnishments, and lawsuits. This protection allows you to focus on repaying your debts without the constant stress and harassment from creditors.
5. Retain Your Assets: Unlike Chapter 7 bankruptcy, Chapter 13 allows you to retain your assets, including your home, car, and other valuable property. Through a structured repayment plan, you can fulfill your financial obligations while maintaining ownership of your assets.

1. Extensive Knowledge and Experience: Our bankruptcy lawyer specializes in Chapter 13 bankruptcy law. With years of experience and a deep understanding of the legal intricacies, we have helped numerous individuals and families successfully navigate the Chapter 13 process.
2. Personalized Attention: We recognize that every financial situation is unique, and we approach each case with personalized attention. Our attorneys will take the time to understand your specific circumstances, evaluate your financial goals, and tailor a Chapter 13 plan that suits your needs.
3. Thorough Analysis and Guidance: Chapter 13 bankruptcy involves meticulous analysis of your financial situation and the development of a comprehensive repayment plan. Our dedicated team will conduct a thorough assessment of your debts, income, and expenses to craft a viable plan that maximizes debt reduction and provides long-term financial stability.
4. Negotiation with Creditors: As skilled negotiators, our bankruptcy attorney will engage with your creditors to secure favorable repayment terms. We will strive to reduce interest rates, eliminate or reduce certain debts, and negotiate affordable monthly payments that align with your budget.
5. Ongoing Support: At CALCAGNO AND ASSOCIATES, a Bankruptcy Law Firm, we believe in supporting our clients beyond the bankruptcy filing. We will provide post-bankruptcy guidance to help you rebuild your credit, improve your financial habits, and regain your financial independence.

Throughout the duration of your Chapter 13 repayment plan, we will provide ongoing support and guidance. Our team will ensure that you understand your obligations, help you address any issues that arise, and provide resources to help you rebuild your credit and improve your financial habits.

Throughout the duration of your Chapter 13 repayment plan, we will provide ongoing support and guidance. Our team will ensure that you understand your obligations, help you address any issues that arise, and provide resources to help you rebuild your credit and improve your financial habits.

As your advocates, we will work diligently to negotiate with your creditors and develop a repayment plan that suits your income and expenses. Our goal is to help you achieve a realistic and manageable plan that reduces your debts, protects your assets, and allows you to regain control over your financial life.

During our consultation, we will listen attentively to your concerns, evaluate your financial circumstances, and provide you with honest and practical advice regarding Chapter 13 bankruptcy. We will explain the process in detail, outline the benefits and potential challenges, and address any questions or doubts you may have.

During our consultation, we will listen attentively to your concerns, evaluate your financial circumstances, and provide you with honest and practical advice regarding Chapter 13 bankruptcy. We will explain the process in detail, outline the benefits and potential challenges, and address any questions or doubts you may have.

At Calcagno and Associates, a Bankruptcy Law Firm, we believe that everyone deserves a fresh start. We are committed to helping you overcome your financial challenges and move toward a brighter future. Our compassionate and dedicated attorneys are here to advocate for your best interests, providing you with the guidance and legal expertise you need during this challenging time.

Don’t let overwhelming debt control your life any longer. Take control of your financial future by contacting Calcagno and Associates, a Bankruptcy Law Firm, today. Our team is ready to assist you in navigating the Chapter 13 bankruptcy process and finding the debt relief you deserve.