David A. Himes

Chapter 13 Bankruptcy Restructures Your Debt

Last updated on October 20, 2023

Due to the unbelievably high cost of surgery, medical treatments or other unplanned expenses that crop up in life, it’s not unusual for people to be unable to manage a tremendous amount of debt that has amassed, even if they earn a regular salary. For these wage-earners, Chapter 13 bankruptcy may be the ideal solution.

In Chapter 13 bankruptcy, a household creates a plan to repay a portion or all of what they owe in three to five years. The repayment plan must be approved by the court, which statistics show is significantly more likely if you enlist the help of an experienced bankruptcy attorney. Once the court accepts a Chapter 13 repayment plan, creditors are not allowed to continue collection efforts. Filing bankruptcy also stops foreclosure; many of those who file for Chapter 13 bankruptcy are able to remain in their home.

David A. Himes & Associates, PLLC, is a Chapter 13 law firm that represents clients in the Southern District of Texas Bankruptcy Court. We work with clients in Montgomery County and surrounding counties from our office in Conroe. Attorney Himes has helped hundreds of clients navigate the bankruptcy process.

Bankruptcy Allows You To Reset Your Financial Life

With help from our Chapter 13 bankruptcy lawyer, you will understand how the process can work for you. We emphasize clear and continuous communication from start to finish, so you are assured of understanding your options and the ultimate goal.

We see too many individuals wait too long to enlist our experienced guidance. As a result, they lose more than they need to. In these situations, homes, automobiles, retirement accounts and other assets that can be protected in bankruptcy are gone. Once that occurs, there is little we can do.

Rather than see you lose everything, we can help you create a Chapter 13 repayment plan that works for you. A court-appointed trustee will watch over the entirety of your bankruptcy case. Those who declare bankruptcy are able to begin rebuilding their creditworthiness well before they finish repaying their debt.

Prompt Action Is Important

Procrastination is the enemy of achieving your goal of getting your life back. Call us now at 936-310-2990, or use our online contact form to schedule a free telephone consultation. We can answer your questions, assess your situation and recommend a course of action.

If you want to learn more about what bankruptcy can accomplish, our frequently asked questions list addresses some common aspects of bankruptcy that are helpful for people to understand.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.