Dayton’s economy has been hit – HARD. You have worked hard, paid your bills, been responsible, always. Some things are beyond your control.

Divorce. Layoff. Overtime cut to zero. Injury.

Bad things can happen to good people. When you can’t keep the bills caught up like you used to, you need our help. Waiting until it’s too late to late to file chapter 13 bankruptcy could be a big, and expensive, mistake.

Don’t lose your home or your car,. You know, nearly everyone I talk to misunderstands what happens when you file chapter 13 bankruptcy.

YOU DO NOT HAVE TO PAY BACK ALL YOUR DEBT in most cases. I will show you how you can file chapter 13 bankruptcy and keep ALL of your property.

Chapter 13 is a respectable and dignified path to a fresh start, and just feeling good again.

Filing Chapter 13 instantly stops:

• Foreclosure
• Repossession
• Garnishment
• Harassment by creditors
• Utility Shutoff
• Threatening letters
• Collection calls
• Loss of sleep
• Worry

You Need an Experienced Chapter 13 Attorney to help you

Today, many general practice attorneys are “jumping into” bankruptcy cases with little or no experience in how to do them right. We have been helping folks file chapter 13 bankruptcy for over 23 years. We know how to file bankruptcy, and it is all we do!

Richard West has taught bankruptcy law to other attorneys for years and has earned his board certification. All of our attorneys limit themselves to doing just one thing – helping hard working, honest people like you get back on track financially by wiping out debt, restoring peace of mind and self-respect.

You will probably only file one bankruptcy in your life. You want a firm with years of experience in bankruptcy law handling your case. West, Hurley & Malkiewicz attorneys will deliver the guidance and expertise you need. We provide you with the most accurate and complete chapter 13 bankruptcy information available.

Free Chapter 13 Information, Free Appointment

Every day you delay, your problem grows worse. What are you waiting for? Call today. You have nothing to lose and everything to gain.

By talking to one of our bankruptcy attorneys, you are not committed to filing a bankruptcy, but you are taking the first step in finding out what options are open for you to solve your problems. We can sometimes identify non-bankruptcy options for you that you probably didn’t know you had. We always review all options, not just bankruptcy options.

After meeting with us, you will know what is possible for you. You may discover that filing chapter 13 is not the best way to get out of debt. We could advise you that there are other, better options. Perhaps not to file bankruptcy at all.

Everyone is different, has different needs, goals and desires. We promise you that you will get the personal attention and individual evaluation you deserve.

Don’t you owe it to yourself and your family to get all the facts? Fear and misunderstand can keep you trapped in debt for years. I see people all the time who have robbed their own pensions, spent their savings and borrowed from family only to find out – too late – that they could have kept it all, if only they had seen us sooner.

The Chapter 13 Discharge

Chapter 13 bankruptcy is a kind of debt consolidation. You will make payments to a trustee, who then pays your individual creditors. You would keep making your own utility payments, and pay your own living expenses.

The chapter 13 payment is calculated by considering several different factors, but you will have a payment that you can afford. The chapter 13 plan attempts to balance your income, living expenses, how much you owe, and what kind of property you have.

A chapter 13 discharge can wipe out some debt that a chapter 7 bankruptcy can’t touch. Chapter 13 can stop a foreclosure and force the bank to take your late payments.

The same goes for your late car payments. In fact, even if your car is in a repo lot we can sometimes get it back. Chapter 13 bankruptcy can help you deal with tax debts. And, in some cases, you can wipe out debts contained in a divorce or dissolution. Chapter 7 bankruptcy cannot do this.

Generally, chapter 13 plans last for three to five years. After the plan is over, whatever was not paid in the plan is discharged, forever. Your creditors can NEVER make you pay. Some debt may not be discharged, like student loans, but for the most part, a chapter 13 will erase most debts.

We will tell you how to rebuild your credit while you are in your chapter 13 bankruptcy, so that when you finish your plan, you are already well on your way to rebuilt credit.

Pick up the phone today! We can generally schedule an attorney to meet with you the next business day. The consultation is free, and you can get the peace of mind that our clients tell us they get from the very first meeting with us. You can feel the weight lifted from your shoulders, and sleep again at night.

All you need to do is call. Then you’ll know why most of our clients say “I wish I had come here sooner!”