Chapter 13 Bankruptcy Lawyers in Blackwood, NJ and Beyond

Safeguard Your Property With the Bankruptcy Lawyers Bellmawr, NJ Relies On

Don't be afraid of losing your home or car while you're overwhelmed by debt. Just because you want to secure your property, filing for bankruptcy isn't off the table. Filing for Chapter 13 bankruptcy may be the answer when you have a regular income.

Chapter 13 bankruptcy is a resolution for individuals who have a regular source of income but still struggling with debt. Under Chapter 13, you're expected to submit a plan to pay your debt over time, normally from three to five years. Retaining valuable assets such as your home is one of the key benefits of Chapter 13. Call us to schedule your consultation.



How Chapter 13 Bankruptcy Works in Real Life

Many people worry that filing for bankruptcy means losing everything. With Chapter 13, that doesn’t have to be the case. This option is designed for individuals who are behind on payments but want to keep their assets and have a reliable income. By working with bankruptcy lawyers in Bellmawr, NJ, you can create a realistic repayment plan that protects your property and gives you time to catch up. During the repayment period, creditors are legally prevented from pursuing collection efforts, giving you some much-needed peace of mind.

The repayment plan considers your income, expenses, and debt load. It’s submitted to the court and, once approved, becomes a binding agreement between you and your creditors. This structured approach makes it easier to manage your obligations without constantly fearing foreclosure or repossession. If you complete your plan, the remaining eligible debt may be discharged, freeing you from additional financial strain.

What Sets Chapter 13 Apart From Other Bankruptcy

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Unlike Chapter 7, which liquidates certain assets to pay creditors, Chapter 13 focuses on debt reorganization. This approach is especially helpful if you've fallen behind on mortgage payments or car loans but want to keep those possessions. Chapter 13 also allows you to handle debts like taxes, child support, and student loans differently, giving you a more tailored way to manage your finances.

You may also be eligible to stop foreclosure proceedings the moment you file, thanks to the automatic stay. This protection gives you a legal pause from collections, lawsuits, and even wage garnishments. Skilled bankruptcy lawyers in Bellmawr, NJ will walk you through each requirement and make sure your petition is filed correctly and efficiently.

It's important to understand all of your options before making any decision since financial issues are extremely stressful. The Law Offices of Rex J Roldan PC will analyze your case and explain the available legal options with over 25 years of experience.

Save your home from foreclosure! Save your car from repossession! Catch up on your mortgage, rent, and car payments. Consolidate your debt. Fix your credit.

Common Misconceptions About Filing for Chapter 13

Many individuals avoid bankruptcy due to fear, misinformation, or shame. But in reality, filing for Chapter 13 can be a powerful financial tool, not a punishment. It's not a sign of failure—it's a legal way to regain control of your finances. Another myth is that you’ll lose everything, but most filers under Chapter 13 keep their homes, vehicles, and other essentials.

Another misconception is that your credit will never recover. While it’s true that a bankruptcy stays on your credit report for up to seven years, many people begin rebuilding their credit as soon as they complete their repayment plans. Some even qualify for new credit within a year or two of filing. The sooner you act, the sooner you can begin repairing your financial future. Experienced bankruptcy lawyers in Bellmawr, NJ can help you map out that recovery.

Why Choose the Law Offices of Rex J Roldan PC?

We know how hard it is to make decisions when you’re dealing with creditors, overdue bills, and the fear of losing your home. That’s why we approach every Chapter 13 case with compassion, clarity, and over 25 years of experience. Our firm provides personalized attention and honest advice. We won’t recommend bankruptcy unless it’s truly in your best interest.

From the moment you contact us, we treat your case with the urgency and respect it deserves. You’ll never be left wondering about the next step. Our bankruptcy lawyers in Bellmawr, NJ are here to protect your rights, answer your questions, and guide you toward financial recovery. Whether you're trying to save your home or stop a repossession, our legal team is prepared to help.

If you're ready to stop the stress and get back on solid financial ground, speak with the bankruptcy lawyers in Bellmawr, NJ who have earned the community’s trust. Contact us today to schedule your free consultation.