Chapter 13 Bankruptcy in Middle Tennessee
Thinking About Filing for Chapter 13 Bankruptcy?
If you are behind on mortgage payments, facing repossession, or unable to keep up with your monthly bills, Chapter 13 bankruptcy can help you regain control of your finances. The Law Office of Galen Pierce helps individuals and families across Middle Tennessee create affordable repayment plans that stop foreclosure, protect assets, and provide long term financial stability.
What Is Chapter 13 Bankruptcy?
Chapter 13 allows you to reorganize your debts into a single, manageable payment plan that lasts three to five years. Unlike Chapter 7, which focuses on wiping out unsecured debts, Chapter 13 helps you keep your home, car, and property while you catch up on past due balances.
Chapter 13 may help you:
- Stop foreclosure immediately
- Catch up on missed mortgage payments
- Prevent car repossession
- Consolidate debts into one monthly payment
- Reduce or eliminate unsecured debt
- Protect assets that may not be covered under Chapter 7
Chapter 13 gives you structure, protection, and time to get back on track.
Who Should Consider Chapter 13?
Chapter 13 may be the right choice if you are struggling with secured debts or need to protect property.
You may benefit from Chapter 13 if:
- You are behind on your mortgage
- You are at risk of losing your car
- Your income is too high for Chapter 7
- You want to protect assets that would not be exempt in Chapter 7
- You need a structured way to manage overdue taxes or child support
- You want to stop lawsuits, garnishments, or collection activity
We help you determine whether Chapter 13 is the best solution for your situation.
How the Chapter 13 Repayment Plan Works
Your payment plan is based on your income, expenses, and the types of debt you owe. The goal is to create a plan that is affordable and realistic.
A typical plan may include:
- Payments to catch up on mortgage or car loans
- Payments toward taxes, child support, or other priority debts
- Partial or reduced payments toward unsecured debts
- One fixed monthly payment to the Chapter 13 trustee
At the end of the plan, remaining eligible unsecured debt may be discharged.
How Chapter 13 Protects Your Property
One of the biggest benefits of Chapter 13 is the ability to save your home and vehicle.
Protect your home
The moment your case is filed, foreclosure must stop. Your repayment plan allows you to catch up on past due mortgage payments while keeping current payments moving forward.
Protect your car
Chapter 13 can stop repossession and allow you to spread out past due payments. In some cases, you may even be able to lower the interest rate or reduce the balance owed through a process known as a cramdown.
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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 866-305-7150 to schedule a free consultation today!
Why Chapter 13 is a good 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.
The Chapter 13 Filing Process
Filing Chapter 13 is a structured legal process. Here is what you can expect:
Step 1: Free consultation
We review your financial situation and determine whether Chapter 13 is the best option for you.
Step 2: Prepare your plan
We gather documents, analyze your budget, and create a customized repayment plan.
Step 3: File your case
Once your case is filed, foreclosure, repossession, garnishments, and collections must stop.
Step 4: Attend the meeting of creditors
This meeting allows the trustee to review your plan. It is usually brief and straightforward.
Step 5: Plan approval
The court reviews your repayment plan and approves it if it meets all requirements.
Step 6: Complete the plan
You make your monthly payments to the trustee. Once complete, remaining eligible debts are discharged.
Why Choose The Law Office of Galen Pierce 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 The Law Office of Galen Pierce, 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.
