Ch. 13 is your right as a U.S. citizen!

Ch. 13 refers to the section of U.S. bankruptcy code that allows for individual debt adjustment.

Many people automatically think of liquidation when they think of bankruptcy. But Ch. 13 doesn’t require you to give up a thing. Just the opposite – it’s one of the most effective ways to protect your belongings.

While Ch. 7 – the other bankruptcy type commonly used for individuals – will sometimes (though not always) require you to give up certain assets in exchange for discharge of your debt, Ch. 13 allows you to keep your house and other possessions while you make debt payments over a 3-5 year period.

During this payment process – known as debt reorganization – you can lower most or all of your non-mortgage debt payments so you can afford to make current house payments while you gradually catch up on delinquent ones. Best of all, you get to set your own rate. With the help of your bankruptcy lawyer, you’ll develop and submit an affordable repayment schedule that meets your needs.

But the most appealing feature of Ch. 13 is the automatic stay, a court order that protects you from creditor actions from the moment you file. That means no foreclosure, debt collections, lawsuits or wage garnishments.

With your new plan, most of your debt will be reduced, rescheduled and consolidated. In fact, you won’t have to deal with creditors, period. Under Ch. 13, your attorney and bankruptcy trustee handle the dirty work for you.

Ch. 13 – THE GUARANTEED WAY TO STOP FORECLOSURE AND OTHER REPOSSESSIONS!

Fallen behind on the bills? Buried in debt? What are you waiting for?! Ch. 13 bankruptcy has helped millions of Americans break free from the shackles of debt to live successful, financially-independent lives. Find out if Ch. 13 can rescue your home and your livelihood for free when you fill out our personal debt analysis form online or call DebtStoppers at 800-440-7235.

What do you have to lose – except your debt? Sign up for a free debt analysis now!