Filing Chapter 13 Bankruptcy Online
Filing Chapter 13 bankruptcy online can help you save your home from foreclosure, stop wage garnishments, lawsuits, and even put an end to distressing creditor and debt collection calls. Opting to file a Chapter 13 the traditional route will entail countless trips to your lawyer’s office and shuttling heaps of paperwork back and forth. When you file a Chapter 13 bankruptcy online, you are able to communicate with your lawyer telephonically or via email, submit all of your paperwork, as well make your payments online. In fact, your case can be filed all from the comfort of your own home, office, or basically anywhere you wish.
Filing Chapter 13 Bankruptcy Online – Your Consultation
Bankruptcy lawyers who offer online bankruptcy filing services typically conduct consultations telephonically. During your Chapter 13 bankruptcy consultation, your attorney will assess your current situation and determine if you are eligible for a Chapter 13 bankruptcy. Furthermore, your attorney will give you an idea of what your Chapter 13 bankruptcy payment plan will be, and inform you of the legal fees. Thereafter, you will receive a retainer agreement officially appointing your lawyer as your legal counsel.
Filing Chapter 13 Bankruptcy Online – Your Petition
When you are filing your Chapter 13 bankruptcy online, your attorney will most likely have a secured online platform through which you can submit your financial documents. Together with your standard bankruptcy forms, you attorney will begin drafting your petition.
Filing Chapter 13 Bankruptcy Online – Your Chapter 13 Bankruptcy Payment Plan
Included in your petition should be a payment plan demonstrating to the Court your ability to repay debt over time with future income. Once your case is filed, you will be required to attend two Court hearings, one is to confirm your plan and the other is your 341 creditor’s meeting. Once you plan is approved, you will make payments to the Trustee who will then distribute it among your creditors. The Chapter 13 bankruptcy payment typically lasts between three to five years. If adhered to, all unsecured debt may be discharged at the end of the plan.
Filing Chapter 13 Bankruptcy Online – Credit Counseling
It is mandatory for all debtors to attend two credit counseling courses: one before your case if file and other before you receive your discharge. These courses can be taken online, telephonically or in person. Your attorney will provide you with a list US Trustee approved centers where you can fulfill the credit counseling requirements.
Filing Chapter 13 Bankruptcy Online – Your discharge
A Chapter 13 bankruptcy discharge is usually granted at the end of the plan. Provided that you did not default on any of your payments towards your payment plan, most of your secured debt will be discharged, giving an opportunity to begin a fresh financial slate.
Filing Chapter 13 Bankruptcy Online The ZocLaw.com Way
At ZocLaw.com, our professionals are experts at helping debt-ridden individuals file a Chapter 13 bankruptcy online. We will be by your side from start to finish, available to address any concerns you may have about the process. Schedule your free bankruptcy consultation and find out how filing a Chapter 13 bankruptcy online can help you get a fresh financial start.