Every client who comes to McCue Law Office in Bangor has a unique story. We listen closely to your needs and help you find the legal solution that works for you. With over 45 years of experience, we’ll help you understand the differences between bankruptcy chapters, including Chapter 13, so you can choose the path that fits your situation.
Benefits of filing for bankruptcy:
Chapter 13 is also called the “wage-earner’s plan.” It lets people with regular income repay their debt in a more manageable way, through a court-approved plan that fits your monthly budget — rather than debt accumulating faster than you can pay it off.
Our attorneys are happy to talk through whether Chapter 13 fits your situation. Contact McCue Law Office in Bangor today to schedule a free consultation.
The most significant difference is that Chapter 13 gives you a better chance to save your home from foreclosure by rescheduling secured debts. It can also act like a consolidation loan: you make plan payments to a trustee, who then distributes the money to your creditors.
Every case is different — contact a bankruptcy attorney at McCue Law Office if you’re unsure which chapter is right for you.
Making the plan work: Chapter 13 plans run three to five years. You’ll make regular payments to the trustee, directly or through payroll deduction, and need to live on a fixed budget for the life of the plan. Unexpected expenses — a car repair, an illness — can make payments difficult; if that happens, an attorney may suggest modifying the plan or converting to Chapter 7.
Every situation is different. We’ll walk through your options together, including Chapter 7, at no cost to you.
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