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Office Location:   21815 Oak Park Trails DriveKaty, Texas 77450
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If your income or expenses have been affected by this Covid-19 situation, you have options. Our awesome local bankruptcy Judges have implemented new systems, procedures and orders in response to the severe social and economic impact of Covid-19 which, in my opinion, will prove to be very effective in ensuring the long-term success of many chapter 13 cases. Additionally, Congress passed and the President signed the CARES Act, which also contains some provisions related to bankruptcy relief which may prove very helpful to your case, depending on what you need.

Specifically for Chapter 13, our Judges have issued an order allowing us to reduce your monthly payments temporarily, without having to file a formal plan modification, for the months of March, April and May, if you have experienced a loss of income or increases in expenses on account of Covid-19. Obviously, this will create a deficiency and our Judges have provided a couple of options to make those payments up. The first option would be to make extra payments when you can and bring the payments current by December 31, 2020. The second option would be to formally modify your plan to spread the deficiency out over the remaining term of your plan. Additionally, if we end up needing to modify your plan, the CARES Act has a provision allowing us to extend your chapter 13 plan for up to 84 months total. The maximum plan length has always been 60 months. This addtional time will give us much greater flexibility if the budget is super tight.

We can make the temporary reduction to your plan payment immediately if you feel you need it. Just contact us to let us know what you need the payment to be. It can even be $0 if needed and we can even adjust the March payment retroactively if you were short on that payment. Our Judges have been very responsive to these adjustments, so the orders are typically being entered within 24 business hours of us filing the request with the court.

Hang in there. This will all pass, hopefully sooner rather than later.

Katy Chapter 13 Bankruptcy Attorney

Who qualifies for Chapter 13 bankruptcy?

Looking for a lawyer for your Chapter 13 bankruptcy in Katy? For people who are struggling with debt and considering bankruptcy as an alternative, it is important to consult with a Katy bankruptcy attorney skilled in the area of bankruptcy law so that you are given the proper advice as to (1) whether bankruptcy is the most appropriate tool for your specific situation and (2) which chapter of the bankruptcy code would be most effective. Generally speaking, Chapter 7 bankruptcy is what most people think of when they think of bankruptcy. In many cases, it can be the most effective way to handle debt-related issues and most Chapter 7 cases are completed in a matter of a few months. However, in order to keep this powerful legal shelter from being abused, the U.S. government has enacted measures that place restrictions on who can file for Chapter 7, including a means test which attempts to balance an individual's income and existing debt load to determine if they have an ability to pay some or all of their debts through a Chapter 13 Reorganization. Although there are many reasons for considering Chapter 13, one of them concerns whether the means test indicates an ability to pay creditors, sufficient to disqualify you from filing Chapter 7. If this is the case, the alternative is to utilize Chapter 13 and repay some or all of your debts, depending upon your ability to repay.

How does Chapter 13 bankruptcy work?

In Chapter 13 bankruptcy, the individual sets up a payment plan (Chapter 13 Plan) outlining how they propose to pay their creditors. Chapter 13 plans last 3-5 years depending upon a number of factors. You will be required to submit a repayment plan to the bankruptcy court detailing your current income and daily living expenses and proposing an amount for you to pay on a monthly basis. Instead of continuing to make several payments, you will make a single payment, which will then be divided among your creditors. After the completion of your repayment period, any remaining amount of your debt will be discharged, and you will be free to begin your life after bankruptcy.

Do I need an attorney?

There is no legal requirement that you hire a lawyer to represent you in your case, but we strongly recommend that you do so in order to protect your interests and achieve the best possible results. Chapter 13 is a complex process, involving many legal forms, financial analysis and other legal hurdles which most people are not generally aware of. At the Law Office of Corey L. Mills, we have spent our legal career focusing on bankruptcy law and are prepared to give you thorough representation and advice at all stages of your case. Our job is to represent your interests, not those of your creditors, so we work very hard to ensure you have the greatest benefit possible from your Chapter 13 bankruptcy filing, hopefully allowing you to enjoy a more comfortable standard of living during the repayment period. Searching for an attorney for your Chapter 13 bankruptcy in Katy, TX? Take the first step in your case now by contacting us for a free consultation.

Law Office of Corey L. Mills - Katy Bankruptcy Lawyer
Located at 21815 Oak Park Trails Drive Katy, TX 77450. View Map
Phone: (281) 638-8693