If you are struggling financially, you may not know where to turn for the relief that you need. Bankruptcy protection can offer valuable help to those experiencing financial difficulties, and many people find relief in Chapter 13 bankruptcy.

Chapter 13 is a consumer bankruptcy option that helps a person emerge from debt without losing valuable assets such as their home or car. This type of bankruptcy protection involves reorganizing a person's debts so that they can be paid off over the course of three to five years.

A person who is going to file for Chapter 13 bankruptcy must prove in court that they have a regular income that they can use to make payments on their debt.  Many people choose to file for Chapter 13 in order to protect theselves from foreclosure, wage garnishment, or repossesion because once a person files, an "automatic stay" is activated. This means that creditors can not file lawsuits or harass debtors. 

If you or a loved one has been struggling with an overwhelming amount of debt, contact the Chapter 13 bankruptcy lawyers of the Harmon Law Office, LLC, today by calling 480-829-0494.