Chapter 13's pay-back provision allows the wage earner the dignity of the knowledge that he is still paying his debts despite having to file bankruptcy.

Chapter 13 bankruptcy:

•Allows you to reduce debt through a debt repayment plan you propose to the bankruptcy court. 

•Can immediately stop foreclsoures proceedings. 

•Can immediately stop garnishment. 

•Can immediately stay lawsuits or legal proceedings against you. 

•Can prevent repossession. 

•Can significantly reduce monthly debt payments. 

•Protects your property. 

•Gives debtors more control in telling creditors how you are going to pay your debts back and make them listen to you again. 

•Cannot get rid of student loans, except in very rare cases, however, they can be paid off through the bankruptcy plan. 

•Cannot get rid of mortgage or automobile debt unless the secured property is surrendered, however, they can be paid off through the bankruptcy plan. 

•Cannot get rid of tax debts, however, they can be paid off through the bankruptcy plan. 

•Cannot get rid of domestic support obligations, such as alimony or child support, however, they can be paid off through the bankruptcy plan. 

Though Chapter 13 bankruptcy offers many advantages, bankruptcy laws and procedures are complex. Common questions we hear from people interested in pursuing bankruptcy are:

•Will I qualify? 

•Which plan would work better for me, Chapter 7 or Chapter 13 bankruptcy? 

•How do I file? 

•Who can walk me through the process? 

OFFICE HOURS

Our office is open 8:30 to 5:00 Monday through Friday.

CONTACT INFORMATION

Arkansas Bankruptcy Associates, PLLC, offers evening and weekend appointments to our clients by request.

You can also contact us via e-mail or by filling out our online form.

Arkansas Bankruptcy Associates, PLLC is located at 8114 Cantrell Road, Suite 100, Little Rock, AR 72227, which is in Little Rock near the intersection of Cantrell Road and Foxcroft Road.

We represent clients in Little Rock, North Little Rock, Pulaski County, Benton, Bryant, Saline County Conway, Faulkner County, Cabot, Maumelle, Lonoke County, Sherwood, Otter Creek, Lonoke, Beebe, Searcy, Morrilton, Conway County, Mabelvale, Alma, Arkadelphia, Arkansas City, Ash Flat, Ashdown, Atkins, Augusta, Bald Knob, Barling, Barton, Batesville, Bauxite, Bearden, Beaver, Bee Branch, Bella Vista, Bentonville, Berryville, Bigelow, Biggers, Bismarck, Black Oak, Black Rock, Bluff City, Blytheville, Boles, Bono, Bonnerdale, Booneville, Boxley, Bradley, Branch, Brinkley, Brookland, Bruno, Buffalo City, Bull Shoals, Burlington, Canehill, Calico Rock, Camden, Carlisle, Carolan, Cave City, Centerton, Charleston, Cherokee Village, Clarendon, Clarksville, Clinton, Compton, Corning, Cotter, Crossett, Curtis, Cotton Plant, Cushman, Danville, Dardanelle, De Queen, De Witt, Decatur, Delaplaine, Dermott, Des Arc, Diamond City, Diaz, Donaldson, Dover, Dumas, Egypt, Elaine, El Dorado, Eudora, Eureka Springs, Evening Shade, Fayetteville, Fairfield Bay, Faircloth, Farmington, Fifty-Six, Fisher, Flippin, Floral, Fordyce, Forrest City, Fort Smith, Fountain Lake, Fouke, Friendship, Gassville, Gentry, Gosnell, Gravette, Greenbrier, Greenwood, Guion, Gurdon, Guy, Hamburg, Hampton, Hardy, Harrison, Heber Springs, Helena, Highland, Holly Mountain, Hope, Hot Springs, Horatio, Hoxie, Jacksonville, Jersey, Jonesboro, Keo, Kibler, Lake Village, Lake City, Lakeview, Lavaca, Leachville, Lead Hill, Leola, Leslie, Lincoln, Lockesburg, London, Lonsdale, Lowell, Madison, Magazine, Magnolia, Malvern, Mammoth Spring, Mansfield, Marianna, Marion, Marked Tree, Marmaduke, Marshall, Marvell, Mayflower, McGehee, Melbourne, Mena, Monticello, Morning Star, Mount George, Mount Holly, Mount Ida, Mountain Home, Mountain View, Mountainburg, Nashville, Natural Steps, Newport, Norfork, Nob Hill, Ola, Omaha, Osceola, Ozark, Palestine, Paragould, Paris, Pea Ridge, Peach Orchard, Perry, Perryville, Pfeiffer, Piggott, Pine Bluff, Pindall, Pocahontas, Poyen, Pottsville, Prairie Grove, Prescott, Pyatt, Quitman, Ravenden, Rector, Reed, Reno, Rocky, Rogers, Roland, Romance, Russellville, Salem, Scranton, Sedgwick, Sheridan, Shirley, Sidney, Siloam Springs, Smackover, Springdale, St. Joe, Stamps, Star City, Stuttgart, Subiaco, Sulphur Springs, Texarkana, Trumann, Tuckerman, Van Buren, Vilonia, Viola, Waldenburg, Waldron, Walnut Ridge, Warren, Weiner, West Fork, West Helena, West Memphis, White Hall, Wilton, Winslow, Wright, Wynne, Yellville, Arkansas County, Ashley County, Baxter County, Benton County, Boone County, Bradley County, Calhoun County, Carroll County, Chicot County, Clark County, Clay County, Cleburne County, Cleveland County, Columbia County, Craighead County, Crawford County, Crittenden County, Cross County, Dallas County, Desha County, Drew County, Franklin County, Fulton County, Garland County, Grant County, Greene County, Hempstead County, Hot Spring County, Howard County, Independence County, Izard County, Jackson County, Jefferson County, Johnson County, Lafayette County, Lawrence County, Lee County, Lincoln County, Little River County, Logan County, Madison County, Marion County, Miller County, Mississippi County, Monroe County, Montgomery County, Nevada County, Newton County, Ouachita County, Perry County, Phillips County, Pike County, Poinsett County, Polk County, Pope County, Prairie County, Randolph County, Scott County, Searcy County, Sebastian County, Sevier County, Sharp County, St. Francis County, Stone County, Union County, Van Buren County, Washington County, White County, Woodruff County, Yell County, and any other surrounding city or town.

WE ARE A DEBT RELIEF AGENCY AS DESIGNATED BY THE UNITED STATES BANKRUPTCY CODE. WE HELP PEOPLE FILE FOR RELIEF UNDER THE UNITED STATES BANKRUPTCY CODE.

Experienced Bankruptcy Attorneys

Chapter 13 Bankruptcy

Chapter 13 of the United States Bankruptcy Code provides protection and financial relief for people with incomes who can afford to pay at least some of their creditors back, or who can afford to pay all of their creditors back at least in part. Over three to five years, the bankruptcy court collects an amount from the debtor's paycheck and divides the money among creditors. The court effectively becomes a "middleman" for paying these debts.

Chapter 13 bankruptcy, sometimes called "wage earners” bankruptcy, usually requires that filers have a job and a certain level of disposable income. Through disposable income, filers restructure debt obligations and pay it off - often at reduced rates. Unlike plans offered by "debt consolidation companies," Chapter 13 gives filers the power to legally reduce debt payments, consolidate payments and wrap up what was once almost impossible to payoff debt in just 36 to 60 months (three to five years).

Chapter 13 bankruptcy was devised to help individuals and families struggling with debt to get back on their feet. Are you afraid that your neighbors will learn of your filing, or that your employer will fire you if it learns that you filed for bankruptcy? Bankruptcy provides strong privacy protection, and employers are