Chapter 13 Bankruptcy is a strategy of reorganization for people with large debts who do not meet the income requirements for Chapter 7 Bankruptcy. Chapter 13 Bankruptcy helps to eliminate unsecured debts by negotiating with debt collectors and settling for much less than is owed. The next step is coming up with a comfortable payment plan to discharge the settled amount over the course of the next 3 to 5 years. Attorney Darlene Daniele works closely with Salem area clients on their Chapter 13 reorganization plan.
Bankruptcy Attorney Daniele, offers you our diligent attention so you feel informed and relaxed, possessing the knowledge that you are in good hands. We organize comfortable payment plans so that you and your family are back to a state of financial security, and finished with your debt in 3 to 5 years.
We can help you to:
- Cease the garnishment of your wages
- Halt the repossession of your motor vehicle
- Protect your home from foreclosure
- Stop creditor harassment
- Plan for a better financial future
Chapter 7 Bankruptcy, also known as consumer bankruptcy or “fresh start” liquidation, is for individuals or families whose annual income fall beneath the median income of your state of residency. Most people or individuals who are suffering from too little money and too many bills find that they indeed qualify for this type of bankruptcy. Chapter 7 Bankruptcy is preferred for individuals or families who need to begin the process of liquidating assets in order to pay back accumulated debt, and it allows for certain protections, or exemptions, so that debtors can maintain vitally important properties, like a home or car, so that those properties are kept from becoming part of the liquidation of assets. We know how important it is to keep your house, car, and other key assets so that you can continue to live your life normally while beginning the process of ridding yourself of debt.
Attorney Darlene Daniele helps you make a well informed decision should you do decide to file for Chapter 7 Bankruptcy. We give you all the facts you need in order to get your life back on track, helping you in the following ways:
- Determining if you are qualified for Chapter 7 Bankruptcy
- Understanding what property is exempt from liquidation
- Strategizing how to avoid foreclosure and get creditors off your back
- Deciding what to liquidate and which debts to discharge
- Planning for your life after bankruptcy
Serving New Hampshire and Massachusetts, Bankruptcy Attorney Darlene Daniele will help you to reorganize your assets, strategically find ways to stop creditor harassment, repossession, and foreclosure, thereby allowing you to comfortably discharge your debts. Everyone deserves a second chance. At the Law Office of Darlene Daniele, we help New Hampshire and Massachusetts residents sleep at night, knowing that we will work tirelessly to handle this process so that you can continue living your life. Contact the Law Office of Darlene Daniele at (603) 898-4383 for a chance at a fresh start.