JAN PERRY LEDERER HAS CLOSED HIS BUSINESS AND NOW HEIDI MCLEOD LAW OFFICE PLLC IS SERVING HIS CLIENTS.
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Debt Consolidation Attorney
SAN ANTONIO DEBT CONSOLIDATION ATTORNEY
If you are feeling buried by debt, you have options. The Heidi McLeod Law Office PLLC can help you consolidate your debt with the help of bankruptcy law. Bankruptcy, and particularly Chapter 13 bankruptcy, may be a legal way to help you out of the current hole you are in and help you build your finances again. However, filing for bankruptcy is a complicated legal process that requires the help of knowledgeable and experienced bankruptcy lawyers. Contact the San Antonio debt consolidation lawyer today to get started.
CHAPTER 13 DEBT CONSOLIDATION LAW
Chapter 13 bankruptcy is the bankruptcy option where you, as the debtor, will keep ownership and control of your assets. However, you will work out a 3-5-year debt repayment plan. Some parts of the debt may be discharged depending upon your income.
A Chapter 13 debt consolidation plan offers individuals a number of advantages over Chapter 7. Perhaps most significantly, Chapter 13 offers you an opportunity to save your home from foreclosure and save your vehicle from repossession. The Plan provides for the cure of delinquent Mortgage Payments. Chapter 13 bankruptcy also offers these advantages:
- Stops wages from being garnished
- Stops assets from being liquidated
- May cure delinquent mortgage payments
- Helps with student loans (call for details)
- Helps with past-due taxes (call for details)
- Rework most secure debts (call for details)
- Helps with pay-day loans
- Helps with any judgments filed against you
Another advantage of Chapter 13 debt consolidation is that it allows you to reschedule secured debts (other than a mortgage for your primary residence) and it stops harassing calls from creditors. Freedom from these calls is essential to your emotional well-being and your ability to rebuild your finances.
The Chapter 13 bankruptcy option also has a special provision that protects co-signers who are also liable for the "consumer debts." Both Chapter 7 and Chapter 13 can give you a fresh financial start. Call our law firm to discuss which option is right for you.
We are a debt relief agency. We help people file for Bankruptcy Relief under bankruptcy code.
Board Certified by Texas Board of Legal Specialization in Consumer Bankruptcy Law.
DEBT CONSOLIDATION ATTORNEY
Receive Your Free Credit Report
You have the right to one free credit report per year under the Fair and Accurate Credit Transaction Act of 2003. Your free credit report can help you in the process of debt consolidation.
There is only one official website: www.annualcreditreport.com. At this website, you can order a copy of all reports compiled by the three major credit reporting agencies, Equifax, Experian and Trans-Union. You may also access this site through a link from the Federal Trade Commission (FTC) at www.ftc.gov. You can also get your free credit report by calling toll free at 877-322-8228.
JAN PERRY LEDERER HAS CLOSED HIS BUSINESS AND NOW HEIDI MCLEOD LAW OFFICE PLLC IS SERVICING HIS CLIENTS
3201 Cherry Ridge C300
San Antonio, TX 78230
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