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Kansas City, MO -- (SBWIRE) -- 01/05/2015 -- This new year is all about getting debt and credit straightened out! Carrie Sue Doxsee and her team of chapter 13 bankruptcy attorneys can handle the most complicated cases; chapter 13 bankrupties can be fairly complicated but however the results are always worth it.

It is very important to seek the advice of an attorney who practices in Chapter 7 and Chapter 13 cases. The difference between succeeding in a plan and failure can depend on having a dedicated attorney that is experienced and creative.

Even if have a think and might not be ready to file, it is a good idea to seek advice of counsel sooner rather than later.

When filing a case early preperation can sometimes be the difference between success and failure.

In Chapter 13 bankruptcies, creditors are paid when a payment to the Chapter 13 Trustee is made, pursuant to a Chapter 13 Plan that is filed.

Unsecured creditors will only receive money if the person filing for bankruptcy can afford to pay them and only at the amount they can afford. In some cases, unsecured creditors receive nothing while in others they receive full payment.

A case may be anywhere in between 0% to 100% to unsecured creditors. This depends on the individuals Means Test and the property they own.

Why do people File for Chapter 13 bankruptcy and how can lawinkc help?

In addition to having all unsecured debts discharged at the end of a case, it can potentially do the following:

- Save a home from foreclosure

- Save a car from repossession

- Pay the taxes that owed while protected in bankruptcy (and potentially discharge taxes more than 3 years old)

- Catch up on child support or maintenance (known as "domestic support obligation" in bankruptcy court)

- Work out payment of student loans

- Stop the harassing phone calls

- Restructure the payments on secured debts other than a house (lower the payment amount)

- Stop lawsuits and garnishments

- Walk away from contracts such as rental agreements or cell phones.

Contact for this discount and for any questions about filing bankruptcy.

Law In Kansas City
721 NE 76th
Kansas City, MO 64118
816-479-2700 / 816-479-2700

Does an individual qualify for a Chapter 13 bankruptcy?

In order to file a Chapter 13 case, certain basic criteria must be met;

Do not have a Chapter 13 case dismissed in the past 180 days for failure to follow an order of the Court.

Do not file a Chapter 7 bankruptcy in the last 4 years. There is an exception which would not allow someone to discharge debts but protect a home from foreclosure.

One must take a credit counseling course set up by an attorney before filing is done.

One must have filed all the tax returns they were required to file in the last 4 years. If they were not required to file, then they qualify to file for bankruptcy.

They must have a positive budget to pay for their Chapter 13 plan. If they want to keep their home, they will need to be able to make the ongoing payments.

Carrie Sue may be able to lower their car payment for them to help with them budget if the balance of their current loan takes less than five years to pay off the loan.

One of Law In KC's attorneys will work on the budget as they can often help find out where a person is making mistakes with their finances.

An individual must be able to make their ongoing child support and maintenance obligations.

There are debt limits for Chapter 13 but most people do not have any issues with this.

Missouri gives debtors who reside in their state for the proper time period certain property they can keep free and clear. A good example is that they can receive $15,000.00 of equity in their house. If a person has more than the amount allowed, they will have to agree to pay the difference into unsecured creditors. Some elderly people do not qualify in Missouri because their homes have too much equity and they do not have the funds to pay into the Trustee to unsecured creditors. Kansas residents don't have the same problem with equity as residents do in Missouri. The Court has rules on how value is determined and therefore it is important to speak with an attorney to properly claim the exemptions.

What does bankruptcy cost an individual?

Bankruptcy attorney fees for a Chapter 13 case are normally $3,000.00. The attorney normally requires someone to pay $1,500.00 of these funds up front; however, if they have a garnishment or foreclosure, the requirement may be lower. They will also be required to pay $400.00 to cover their filing fee, credit counseling course, credit report, and financial management course. The $400.00 also must be paid prior to fling and Carrie Sue's office requires the individual to pay $200.00 to get the case started.

Does an individuals Spouse have to file?

No. However, if they are still living together, someone will likely have to include their income in their budget and the means test.

A Chapter 13 bankruptcy is to help people keep their homes, vehicles or other secured property. It is also perfect for people that owe child support or a domestic support obligation of some type. If someone owes a domestic support obligation, they are not elgible for a Chapter 7 discharge. Another good reason for Chapter 13 is if they owe taxes.

In a Chapter 13 case, someone makes a payment to the Trustee. The Plan will pay off any amount the person is behind on a mortgage (if they are keeping their home and are behind on their mortgage), pay a vehicle lender, taxes owed, and taxes. They will only pay unsecured creditors if they can afford it. The unsecureds may not receive anything or they could receive up to 100%. If they owe student loans, they may be part of the plan as well. An individual will need to discuss this with their attorney.

Law In Kansas City, is a site that helps local Kansas Citians get their lives back in order with legal help for bankruptcy, foreclosures and credit repair.

Law In Kansas City


Media Contact:
Law In Kansas City
721 NE 76th
Kansas City, MO 64118
Carrie Sue Doxsee