Chapter 13 Bankruptcy Lawyer in Murfreesboro, Tennessee
Filing for Chapter 13 Bankruptcy
In basic terms, Chapter 13 is a payment plan. Chapter 13 bankruptcy provides individuals with flexibility to repay their debt, save their car or home, or protect assets above those permitted by the state of Tennessee's exemption laws. You must have a consistent source of income to qualify for Chapter 13 bankruptcy. Debtors are required to establish a repayment plan spanning the course of three to five years, unless otherwise stipulated by the court. Fortunately, this form of bankruptcy allows some breathing room as your creditors cannot begin or continue their collection efforts while you are working towards debt relief.
How much does it cost to file Chapter 13 bankruptcy?
Working with an experienced Chapter 13 bankruptcy attorney can help you identify all your debts, determine a suitable plan of action for managing your debt and improving your credit. Every person and case is different, making it difficult to determine an exact cost. That is why we offer a free initial consultation for those looking to begin filing Chapter 13 bankruptcy. From there, we will be able to give you an exact quote before you incur any charges. Galen Pierce Law Firm is Middle Tennessee's affordable attorney.
Don't navigate the complicated waters of bankruptcy law alone. Contact Galen Pierce, your local Chapter 13 bankruptcy attorney, at 615-895-6508 to schedule a free consultation today!
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Should I File for Chapter 13 Bankruptcy?
If you're struggling to repay your debts but have a regular income, filing for Chapter 13 bankruptcy may be the right solution for you. At Galen Pierce, Attorney at Law, we understand the complexities of financial hardship and can provide you with the legal guidance needed to navigate the process successfully. Chapter 13 bankruptcy allows you to restructure your debts and create a manageable repayment plan based on your income, giving you the opportunity to regain financial stability. Contact Galen Pierce, a professional and experienced attorney in the Murfreesboro area, to determine if Chapter 13 bankruptcy is the right choice for you. If you're struggling with overwhelming debt, there are clear signs that it may be time to consider filing for Chapter 13 bankruptcy. At Galen Pierce, Attorney at Law, serving Murfreesboro and beyond, we understand the financial stress you may be facing. Signs that Chapter 13 may be the right choice include falling behind on mortgage payments, facing foreclosure, dealing with wage garnishments, or being unable to keep up with mounting medical bills. Our experienced attorney, Galen Pierce, can provide the legal guidance and support you need to navigate the Chapter 13 bankruptcy process and work towards a fresh financial start.
What Makes Chapter 13 Bankruptcy a Smart Choice?
If you're feeling overwhelmed by debt but want to keep important assets like your home or car, Chapter 13 might be the right solution. With Chapter 13, you can:
- Stop foreclosure and save your home
- Consolidate your debts into one manageable monthly payment
- Protect co-signers from creditor actions
- Catch up on missed payments without losing valuable property
Most importantly, Chapter 13 gives you the opportunity to take control of your financial future. It’s not about giving up — it’s about building a new beginning.
Stop Foreclosure and Save Your Home with Chapter 13
If you're facing foreclosure, you might feel like you're running out of options. But Chapter 13 bankruptcy can give you the lifeline you need to save your home. At Galen Pierce Law, we understand how stressful it is to fall behind on mortgage payments — and we know how important it is to keep your family where they belong.
Filing for Chapter 13 puts an immediate stop to foreclosure proceedings through something called the "automatic stay." This means your lender must halt any foreclosure action the moment your case is filed. From there, Chapter 13 allows you to set up a manageable repayment plan where you can catch up on missed mortgage payments over time — often three to five years — without losing your home.
We’ll work closely with you to make sure your repayment plan fits your real-world budget and protects the assets you care about most. Saving your home isn’t just possible — it’s achievable with the right legal help.
Why Choose Galen Pierce Law for Your Chapter 13 Bankruptcy?
Filing for Chapter 13 bankruptcy is a big decision — one that deserves personal care, understanding, and trusted legal guidance. At Galen Pierce Law, we’re here to walk beside you every step of the way. We don’t just handle cases; we help people rebuild their financial future with dignity and confidence.
When you work with us, you’ll never feel like just another case number. Attorney Galen Pierce takes the time to get to know your unique situation, your goals, and your concerns. Together, we’ll create a repayment plan that works for you — one that gives you the breathing room you need to move forward.
