Chapter 13 Bankruptcy - Bankruptcy Clinic
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(618) 993-1300

Mt. Vernon
(618) 315-6600

(618) 549-1100

Your First Step

To a Fresh Start


chapter13Debt Relief Through Chapter 13 Bankruptcy

Many hard-working people get into financial difficulty through no fault of their own. A job layoff, a divorce, an accident or other events can cause you to accumulate too much debt or maybe just set you back temporarily. Fortunately, there is hope for people who have unmanageable levels of debt. Filing for bankruptcy can reduce some debts and eliminate others, allowing you to get your financial life back in order.

At the Bankruptcy Clinic, PC, our attorneys have helped over 10 thousand people obtain debt relief through bankruptcy. We are experienced and knowledgeable and work to help every client obtain the debt relief they need and deserve. Contact us to schedule a free consultation.

If bankruptcy is not right for you or you have better options, we will tell you so. If it can help you reduce your debts and get a fresh financial start, we can handle all details of your filing for a reasonable and affordable fee.

What Is Chapter 13 Bankruptcy?

In a Chapter 13 bankruptcy, some of your debts are reduced or eliminated. We prepare a payment plan which allows you to pay off your remaining debts over a three to five-year period at a rate you can reasonably afford. You can keep your house, your vehicles and most or all of your personal property. At the end of the payment period, your unpaid debts are discharged. The Chapter 13 does not remain on your credit report as long as a Chapter 7.

A Chapter 13 bankruptcy is ideal for people who have certain types of secured debts, above average incomes, or have property they might otherwise risk losing in a Chapter 7. Some people are better off with a Chapter 7 bankruptcy instead. The Bankruptcy Clinic, PC can help you make the decision that is right for you.

How We Can Help

An experienced lawyer from our firm will undertake a comprehensive, in-depth analysis of your financial situation. If a Chapter 13 debt reorganization is right for you, we can stop foreclosure, repossession and garnishment actions immediately while allowing you to keep your property.

Free Consultation With an Attorney

For a free consultation with the Bankruptcy Clinic, PC, call 888-522-6578 toll free or contact us online. We have offices in Carbondale, Marion, and Mt. Vernon, Illinois to serve you. Evening and weekend appointments are available.

Commonly asked questions about Chapter 13

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.