Chapter 13 Bankruptcy Lawyer in Wheeling

Every debtor’s situation is different from the next. Families and individuals can benefit from Chapter 13 bankruptcy to receive relief from their creditors. If you are facing any creditor action, such as the foreclosure of your home, garnishment of your wages, or the seizure of your bank account, you may be an excellent candidate for this process.

If you have a regular income and have the ability to pay back most or all of your debts with reasonable payments, we encourage you to learn more about Chapter 13 bankruptcy. Schedule a free case evaluation with our Wheeling bankruptcy lawyer for help at once.


Chapter 13 bankruptcy has many advantages. Creditors and debt collectors are required to immediately end all debt collection attempts against you once you file. Chapter 13 can also stop a foreclosure from occurring. This type of bankruptcy allows a debtor to have debts restructured and to pay off all debts over a period of three to five years according to a court-approved plan.

You also benefit in the following ways when you file for Chapter 13:

  • You get additional time to make your mortgage payments
  • You may have junior mortgages turned into unsecured debt
  • Arrearages on a car loan can be spread over the period of the plan
  • Interest on unsecured loans is canceled


Chapter 13 bankruptcy begins when the debtor files a petition with the bankruptcy court. That action will place an automatic stay on all collection activities that are used against the debtor. During the filing of the Chapter 13 petition, the debtor can present a detailed report of all assets, income, and expenses. The debtor will need to file a proposed repayment plan with the bankruptcy court within a period of 15 days after filing. Next, a meeting of the creditors will take place within 50 days after filing the petition. A second hearing will then be held about 45 days after the meeting of the creditors. The debtor will need to start making payments to the trustee within 30 days after filing.

WV Bankruptcy Attorney


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