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One myth about bankruptcy is that you can only qualify if you are being harassed by creditors, aren’t making ends meet, and have little to no assets. All sorts of people in varying situations, however, can use bankruptcy to obtain relief from unmanageable debt.
Chapter 13 bankruptcy is a particularly good option for those who:
If this sounds like your situation, bring your case to Sabatini Freeman, LLC. Our Chapter 13 bankruptcy attorneys have more than 50 years of combined experience helping individuals and families overcome financial hardship.
We would be more than happy to:
“There are so many people out there that live day after day facing this huge debt and are afraid to turn to bankruptcy. We owe a debt of gratitude to you, Carlo.”
“After speaking with Carlo and carefully following his advice, I was able to recover financially. The efficiency and professionalism of Carlo and his staff are astounding! I have gotten back on my feet.”
“Great people, very helpful.”
One of the most important decisions you will make is which chapter to file. Chapter 7 and Chapter 13 are the two most common types of bankruptcy filed in the U.S. each year, but they work very differently, and one chapter may provide you with significantly more benefits than the other.
A Chapter 7 proceeding is typically over in 4 – 6 months, and usually does not involve any payment to your creditors.
A Chapter 13 proceeding, on the other hand, establishes a plan where you would make an affordable payment to your creditors each month for 3 – 5 years. In most Chapter 13 cases that are filed with this office, the creditors are paid only a very small percentage of the debt that was actually owed.
Learn more during a complimentary consultation. Contact us online or call (570) 458-2008 today.
Here are just a few of the benefits of Chapter 13:
Individuals often use Chapter 13 to protect their assets from:
This is possible for two reasons:
If you can make plan payments, pay your regular bills, and catch up on delinquent payments by the end of your Chapter 13 case, you can rescue your vehicle from repossession and/or your home from foreclosure.
At Sabatini Freeman, LLC, our Chapter 13 failure rate is 9 times lower* than other firms for many reasons. We have a lot of experience with our local bankruptcy trustees and judges, so we know what they expect to see in a Chapter 13 case.
We are highly detail-oriented, which allows us to help our clients avoid common pitfalls. We also never hesitate to take a harassing creditor to court, which can result in substantial compensation for our clients—thereby covering some or all of their debt.
Finally, Attorney Carlo Sabatini is Board-Certified in Consumer Bankruptcy Law by the American Board of Certification, which is why we are trusted by clients and professionals alike.
* From 2010 through 2019, only 5.6% of our Chapter 13 cases were dismissed after our client failed to complete the plan payments. The average dismissal rate for other firms in the Middle District of Pennsylvania over the same period was 46.7%.
Since 1999, we have helped individuals like you. Let’s get started on your case today. Call (570) 458-2008 or contact us online for a free consultation.
File for Chapter 13 today in Scranton, Wilkes-Barre, or Dunmore Pennsylvania by contacting one of our Chapter 13 Bankruptcy Attorneys for a free consultation.
Your first conversation with an attorney to understand and evaluate your case is 100% complimentary.
With the combined experience of over 50 years between the attorneys of Sabatini Freeman LLC, we leverage our knowledge and experience with the local trustees to get you optimal results.
You should never be left in the dark when it comes to your legal matter. From start to finish, we will keep you updated on the status of your case.
Board Certified in Consumer Bankruptcy Law, Attorney Sabatini is the only attorney with this certification with an office within 50 miles of Wilkes-Barre or Scranton.
216 North Blakely St.Dunmore, PA 18512
67 Public Square, Suite 1001Wilkes-Barre, PA 18701
The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.
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