Law Offices of Richard Scott Zirt

Rebuild Your Future Without Debt

What Is Chapter 13 Bankruptcy?

If you are facing financial issues, it is in your best interest to consult an experienced attorney. The Law Offices of Richard Scott Zirt has worked with clients throughout New York for over 25 years. For higher-income individuals, or those facing foreclosure or others owning at-risk assets, Chapter 13 bankruptcy may be the best way to get them back on their feet.

How Attorney Richard Zirt Can Help You

Chapter 13 bankruptcy allows you to create a monthly installment plan of up to 60 months to pay off the debt often at a low percentage of the actual debt. Essentially, your household budget has to be financially capable of handling a repayment plan in order to successfully file and complete a Chapter 13. Also, both unsecured and secured debts must be under certain limits in order to be eligible for Chapter 13 bankruptcy.

Most importantly, it can prevent the foreclosure of your home. It also might allow you to keep nonexempt property. While Chapter 13 may sound simple, it is easy to make mistakes. For these complicated situations, it is smart to use a skilled attorney. Attorney Richard Zirt offers his professional guidance throughout the process, helping you better understand your situation and potential options.

Filing for bankruptcy can be complex and intimidating, but Richard ensures that every client is comfortable and confident. He will handle all involved paperwork and represent you throughout the bankruptcy proceedings.

Don’t Wait; Call Today To Learn More

Contact his office today for a free bankruptcy consultation. Call 845-681-0795 or fill out this online contact form to get in touch with our Monticello office. He also helps clients considering Chapter 7 bankruptcy as well. Your debt-free future is just a few steps away; take action now.