Chapter 13 Plans

Texas Chapter 13 Bankruptcy Attorney

Chapter 13 Bankruptcy PLAN for Individuals

Thank you for your interest in learning more about Chapter 13 Debt Consolidation PLAN.

Are you having problems paying your Debts? If you are, you’re not alone. Did you know that 51% of all bankruptcies are the result of a job loss and 46% are as a result of medical reasons and 19% because of a family break-up? Bad things happen to good people. You deserve a second chance, Get a Financial Fresh Start™ today.

The Vasquez Law Firm is a Debt Relief Agency. We proudly help people and Small Businesses file for Bankruptcy Relief under the Bankruptcy Code. This is why we would like for you to learn more about Getting a Financial Fresh Start™ and Eliminating your Debt once and for all.

Have you heard about the new Bankruptcy Law that went into effect October 17, 2005? This federal law has helped our clients get rid of all of their Bills and get out of Debt. At the Vasquez Law Firm, we have two different programs for you. However here we will focus on Chapter 13 Debt Consolidation PLAN. (link to learn more about Chapter 7 PLAN).

Chapter 13 Debt Consolidation PLAN is a federal law that has helped tens of thousands other San Antonioians Get a Financial Fresh Start™. It is a PLAN that allows you to combine all your Bills and make one (1) lower monthly, interest-free payment you can afford, and in the process helps you Eliminate your Debt.

Chapter 13 Debt Consolidation PLAN brings you immediate protection from harassing creditors. It is a PLAN that offers you a new financial beginning (i.e. FRESH START) that ensures your peace of mind. This lower monthly, interest-free payment PLAN will help you gain control of all your Debts without pressure from your Bill collectors at no cost, risk or obligation to you.

Our Chapter 13 Debt Consolidation PLAN is a Debt Consolidation PLAN under the protection of the federal Bankruptcy law. Keep in mind that the C13-PLAN™ is not a straight Bankruptcy (i.e. Chapter 7 PLAN). Instead it is an alternative to a straight Bankruptcy or Chapter 7 PLAN. It is a special payment PLAN under the United States Bankruptcy Code. It is the PLAN we use in our Debt Consolidation program to stop creditor harassment and to help you Eliminate your Debt thereby allowing you to Get a Financial Fresh Start.™

This Debt Consolidation C13-PLAN™ is a federal law that allows you to include all of your Bills into a new lower monthly, interest-free payment PLAN. Because the PLAN is sponsored by the U.S. federal government, it stops creditor harassment immediately. In most cases, it stops home foreclosures, vehicle repossessions, stops lawsuits (i.e. credit card lawsuits) and freezes the balance and interest on all your credit cards. Just imagine living with no more threatening calls from Bill collectors at home or at work. You will no longer be suspicious when answering the phone. No more worrying that your house will be foreclosed or your car repossessed. No more making the minimum payment on your credit cards just to see it all go to pay the interest only. These are but a few of the many important benefits of the federal Chapter 13 Debt Consolidation PLAN.

Credit card interest is really hurting a lot of people and small businesses. Yet most people do not know how bad it really is. For example, if you have a typical credit card with a $5,000. dollar balance at 17% interest and you only make minimum monthly payments (usually 2% of the balance), because of the interest rate, it will take you 482 months or 40 years and two months to pay off that credit card, and this is assuming no additional charges are made. (see http://www.bankrate.com/brm/calc/minpayment.asp) Further, if you get behind on your payments or go over the credit limit, it will take you even longer. Stop for a moment and think about that. Over 40 years to pay off a credit card with a small balance of $5,000.00 Unbelievable, this is longer than it takes to buy a house. It is outrageous, but it is absolutely true.

However, the good news is that this federal Chapter 13 Debt Consolidation PLAN will stop all of your balances and interest from increasing and get you out of Debt in a reasonable amount of time. How reasonable? Most Chapter 13 Debt Consolidation PLANs run between 3 to 5 years then whatever balance is left over is legally wiped out or forgiven. The entire balance becomes zero, nothing, nada, nilch – gone and wiped out forever. This means that those same creditors cannot come back later and try to collect what was left, either from you or your children, friends and family.

Can you imagine how great it would be to get out of Debt in 3 to 5 years or less? There are many other benefits to a federal Chapter 13 Debt Consolidation PLAN. Keep in mind that because of the facts, every individual situation is different but in most cases, a federal Chapter 13 Debt Consolidation PLAN allows you to put all of your Bills into one lower monthly, payment that you can afford. This C13-PLAN™ will stop all lawsuits against you, including common credit card lawsuits. Since this Chapter 13 is a Debt payment PLAN in most cases you WILL NOT lose any of your property or personal belongings. Nothing can be taken away from you.

Well by now, you may be wondering specifically how this C13-PLAN™ works. Here at The Vasquez Law Firm, we have adopted a very simple procedure to help you. You call our office and set up your Free Initial, No Obligation, Confidential Consultation with your attorney. (link contact window or connect and (210)229-2067). At your appointment, you bring all of your Bills and at least two most recent pay stubs or other proof of income such as retirement or social security income and if you have them your two most recent tax returns. (link what to bring to your 1st appointment) Mr. Vasquez will sit down with you in private and work out a PLAN that is best for you and your family.

Then if you like the C13-PLAN™, we will prepare the paperwork and give you a different appointment for you to review the C13-PLAN™ and sign the paperwork. Then we file the paperwork with the federal court and at that point you are under the protection of the federal Debt Consolidation Plan. From this point on, creditors will no longer be allowed to call or harass you either at work, with neighbors, and/or at home. Creditors will no longer be allowed to send you any further collection correspondence. It’s that simple, period. We do all of the work for you. In fact, most of our clients never have to go to court or even see a judge. This can all be done very quickly, an important thing to remember if you are facing a home foreclosure or a vehicle repossession.

Next there are several important things we would like for you to know about our office and our procedure. First of all, the Free Initial Consultation that you have with our office is always Confidential. We don’t tell anyone. Second, the Consultation is at no cost to you. There is no charge and no obligation to you. It cost you nothing to find out if the C13-PLAN™ will work for you. In fact, it costs nothing to find out if the C13-PLAN™ will not work for you. In other words, if you decide that the C13-PLAN™ is not for you for any reason, then there is absolutely no cost or obligation to you. We simply offer you a service of bringing you information to allow you to make an informed decision on options to Eliminate your Debt and Get a Financial Fresh Start.™

Our staff is knowledgeable, friendly, respectful, professional and very helpful. We are on your side. Our commitment is to help you and your family, and we understand the stress of trying to pay your Bills.

Finally, read our 100% personal guarantee. The Vasquez Law Firm personally guarantees that no one from our firm will ever pressure you in anyway, we guarantee it. We simply offer you a service of bringing you information to allow you to make an informed decision on options to Eliminate your Debt and Get a Financial Fresh Start™.

If you like what you have read so far about the Chapter 13 Debt Consolidation PLAN but are worried about attorney fees, then we have great news for you. In most cases, we take all or most of our attorney fees and put them into the overall Chapter 13 Debt Consolidation PLAN to be paid along with your other Bills. You do not have to pay any of the attorney fees up front. In fact, because your attorney fees are blended in with all your other Bills, it doesn’t feel like you’re paying any fees at all. This is because attorney fees are paid from what otherwise would go to pay your credit card balances (i.e unsecured Debt) under the PLAN. In other words, federal law allows you to pay less to your creditors under the C13-PLAN™ and with the savings allow you to pay your attorney fees. At your first meeting with your attorney, Mr. Vasquez, we will tell you exactly what our fee is and we will give it to you in writing.

Are you wondering how much a typical C13-PLAN™ payment is, or how much you have to pay each month into the Debt Consolidation PLAN? If you are, we are pleased to tell you that we can usually and often reduce your combined monthly bill payment(s) in half or EVEN MORE in some cases. The payment you make depends on what type of Debt you have and how much of it you have. For example, if you have a car payment and would like to keep it, you would have to factor that payment in the C13-PLAN™. However if you don’t want to keep it, then you can usually just stop paying it and your payment will be lower under the C13-PLAN™.

Can you imagine the day when you don’t have to deal with high pressure phone calls from angry Bill collectors, the day you can say you are completely Debt Free; can you imagine not worrying about your finances and finally getting a good night’s sleep? We can help you get to that point. Find out if our C13-PLAN™ is right for you, just ask yourself these questions.

Question number one (1).

  1. Do I want to combine all of my Bills, including IRS taxes, into one lower, monthly payment that I can           afford? Answer yes or no

Question number two (2).

  1. Do I want to get off the 40 year credit card cycle and be out of Debt in a reasonable time?           Answer yes or no

Question number three (3).

  1. If my monthly Bill payments were cut in half or more, would this give me and my family a more      reasonable budget to live on? Answer yes or no

Question number four (4).

  1. Do I want to stop the possibility that my house will be foreclosed or my car repossessed? Answer          yes or no.

If you have answered yes to ANY of these questions, then you owe it to yourself to take a serious closer look at our federal Chapter 13 Debt Consolidation PLAN. It could be the very solution that you and your family need. This is the same solution that has helped thousands of other San Antonians Eliminate their Debt. Best of all, there is No OBLIGATION to find out.

How do I get Started?

It is very easy to get started. Call our office direct at (210) 229-2067 and set up your FREE Initial, No Obligation, Confidential Consultation with your attorney. Then we’ll take it from there. Your attorney will show you exactly how it works and let you make an informed decision.

The Procedure (i.e. Process) of how the C13-PLAN™ works; Seven (7) Easy Steps.

(“at the end of the Seventh (7) year you are to cancel the Debts of those who owe you money.”) Deuteronomy 15:1

Step One (1): Free Initial, No Obligation, Confidential Consultation with Attorney.

Call our office direct at (210) 229-2067 and set up your Free Initial, No Obligation, Confidential Consultation with your attorney. At your scheduled initial appointment, Mr. Vasquez will discuss with you the details of your proposed C13-PLAN™. If you like the C13-PLAN™, then our office will give you a different appointment to review and sign the C13-PLAN™.

Step Two (2): Easy Phone Credit Counseling and Signing of the C13-PLAN™.

At your second appointment at our office, you and your attorney will review all the information and make any changes needed. You and your spouse, if any, will sign the C13-PLAN™. At this point, if you haven’t already done so you will need to do an easy phone credit counseling session that is required before we can file your C13-PLAN™. Once the easy phone credit counseling is done, our office will receive a certificate acknowledging that you and your spouse have completed the easy phone credit counseling. At this point we are ready to file your C13-PLAN™ with the federal court. The date we choose to file your C13-PLAN™ will be discussed with your attorney. If it is decided for some reason that we will not file the C13-PLAN™ until some later time in the month, you will not have to return to our office. We will file the signed C13-PLAN™ when that mutually agreed date comes. Then we send a copy notice to you, the court, the trustee, and all your creditors so they can immediately stop harassing you.

Step Three (3): Attend the Meeting of Creditors with your Attorney.

Once your C13-PLAN™ is filed, the federal court will issue an Automatic Stay immediately (an order, stopping all your creditors from taking any further collection efforts or legal action against you, including foreclosure or vehicle repossessions). The federal court will then set a date for an informal meeting called a meeting of creditors or a 341(a) meeting. The name is deceiving because in practice most often (about 99% of the time) no creditors show up so the meeting is usually just between you, your attorney and the trustee. This usually takes about one (1) month after we file the C13-PLAN™ for you. The trustee will ask you a few questions to verify the information you put in your C13-PLAN™. The meeting, once you are called to visit with the trustee is very fast, usually about ten (10) minutes. However for personal and work purposes, anticipate at least one (1) hour of your time since we don’t know exactly when they will call you at your scheduled time.

Step Four (4): Your Attorney Attends the Confirmation Hearing.

After the 341(a) meeting, a date is set for a hearing called the confirmation hearing. At this hearing, the trustee and your attorney will determine if all the needed information is included in your C13-PLAN™ and then the court judge will approve or allow the C13-PLAN™ to go forward otherwise known as confirming your C13-PLAN™. Your presence at the confirmation hearing is usually not required (only about 1% of our clients ever have to attend). Our office will notify you if indeed you would need to attend this hearing.

Step Five (5): Easy Financial Management Class.

Sometime soon after the confirmation hearing, you will attend a required but easy financial management class that is provided to you free of charge by the trustee. It is usually held at a convenient time and location. The meeting lasts about one (1) hour. At this meeting, you will discuss easy steps that you can implement in order to get your financial health back of tract. Like the easy phone credit counseling, you will be given a certificate that will be delivered to our office for safe keeping.

Step Six (6): Continue to Pay your Lower, Monthly Payment to the Trustee.

At this point, simply continue to provide your lower, monthly payment to the trustee. While you continue to pay your lower, monthly payment you continue to enjoy the automatic stay (i.e. protection from creditor harassment) since the C13-PLAN™ continues under the supervision and protection of the Bankruptcy court.

Step Seven (7): Discharge Order, Referrals and Recommendations.

Once you finish your C13-PLAN™ (i.e complete your agreed payments), the federal court will issue an order called a discharge. This discharge order is very important since it will protect you and all your family and children from creditors ever seeking to collect any balance that was wiped out or forgiven as a result of your C13-PLAN™ filing. Our office will send you a copy of your discharge order for your secured safe-keeping. Save the discharge order in a safe place and CONGRATULATIONS at this point, you have completely Eliminated your Debt and have received a Financial Fresh Start.

If you liked our services and treatment toward you and your family, we respectfully ask that you refer and/or recommend us to ALL your friends and family who may also need the benefit of our DEBT RELIEF services. Tell them to call our Free 24-hour automated phone line (210) C13-PLAN™(213-7526) to learn more on how they too, may Eliminate their Debt and Get a Financial Fresh Start™.

Relax and May God Continue to Bless You and Yours. Remember we are always here at your service. THANK YOU for allowing us, The Vasquez Law Firm to serve ALL your DEBT RELIEF needs.

Respectfully, Ruben E. Vasquez, Esq., for the Firm

How do I get Started?

It is very easy to get started. Call our office direct at (210) 229-2067 and set up your FREE Initial, No Obligation, Confidential Consultation with your attorney. Then we’ll take it from there. Your attorney will show you exactly how it works and let you make an informed decision.

THANK YOU for allowing The Vasquez Law Firm to serve ALL your DEBT RELIEF needs.

Call us today (210) C13-PLAN™ (213-7526) or for our Laredo Office (956) 267-1767

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