Filing for Chapter 13 Bankruptcy in Kansas

by | May 3, 2014 | Law Services

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In Kansas, just like in any other area of the country, you are legally able to discharge the majority of your unsecured debts by filing for bankruptcy. You can do this with the help of an attorney at a bankruptcy law firm or you can file on your own. The attorney will help you to take a means test to see if you qualify for Chapter 7 bankruptcy. If you don’t qualify, you will need to file in Kansas Chapter 13 Bankruptcy.

Understanding Chapter 13 Bankruptcy

For many debtors in Kansas, Chapter 13 Bankruptcy remains a bit of a mystery. However the truth is that this type of bankruptcy is just as helpful as Chapter 7. It is available for those who have the sufficient income to restructure and repay their debts if given enough time to do so. That is why they are provided with a 3 to 5 year time period in a Kansas Chapter 13 Bankruptcy. This is the way that debtors can pay back their debts and still retain their assets. If you have the ability to file for this type of bankruptcy, it can be an excellent way to avoid losing your home or car while catching up on past due bills.

How to go about filing

If you live in Kansas, Chapter 13 Bankruptcy can be filed with the help of a Kansas bankruptcy attorney. They will be able to guide you through the entire process and help you know what to include in your bankruptcy and what to leave out. If you are unsure about the process, retaining an attorney is one of the best things you can do. The last thing you want is to go ahead with a debt repayment plan that doesn’t work for you. This can be one of the challenges inherent in proceeding without a Kansas Chapter 13 bankruptcy attorney.

Where to find a good lawyer

You can find a good attorney by asking around with friends and family. Often a family attorney may be able to recommend you to a colleague who handles bankruptcy cases. This is one of the best ways you can go about finding an attorney you trust to handle you bankruptcy case. The process of filing can be lengthy and the bankruptcy itself can take up to 90 days. If you have creditors calling you, a pending foreclosure, or vehicular repossession, these can all be delayed with the help of a qualified attorney who can help you file for the Kansas Chapter 13 bankruptcy you need.

When you file, you will be taken step by step through the process so you can get the results you are looking for.