Chapter 13

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Chapter 13 Bankruptcy Attorney In Eastern North Carolina

What Is A Chapter 13 Bankruptcy?

When the going gets tough with home or car payments, you don't have to face these challenges alone. Edwin Hardy can guide you through the intricate Chapter 13 bankruptcy process. This legal avenue can not only prevent the foreclosure of your cherished home in Washington, North Carolina, but it can also enable you to retain your car, which is often essential for daily living, and possibly even reduce your monthly payments. In certain circumstances, you might qualify for a manageable repayment plan where you only need to pay a portion of your total debt, all while maintaining ownership of your important assets.


Additionally, if you have encountered issues that have resulted in the loss of your driver’s license due to unpaid parking tickets, pursuing a Chapter 13 bankruptcy can also assist in having your license reinstated so you can get back on the road without further complications. However, it's important to understand that the benefits of a Chapter 13 bankruptcy can be greatly maximized with the right legal guidance and support. Edwin Hardy possesses a proven track record of successfully handling Chapter 13 proceedings for his clients, ensuring they receive personalized attention and effective strategies tailored to their unique financial situations. He can skillfully help you navigate the complex legal terrain to pursue the most favorable results possible.

Call Edwin M. Hardy, PC at  252-975-3010 to schedule a consultation with a lawyer today.

How Do I Qualify for a Chapter 13 Bankruptcy?

Edwin Hardy, a seasoned attorney in Washington, North Carolina, is your go-to professional for all bankruptcy related needs. If you need guidance on whether you are eligible for a Chapter 13 bankruptcy, Edwin Hardy is here to assist. A regular and stable income is a prerequisite, however, it does not necessarily have to come from employment. Social Security, disability benefits, unemployment payments, retirement benefits, or even rental income can qualify. Unfortunately, stock or commodity brokers are not eligible for a Chapter 13 bankruptcy. Corporations are also not applicable for this relief. However, as a self-employed individual or sole proprietor, you come under the eligible category, assuming that your debts fall within certain specified limits. Also, if your debts span more than three to five years, you might qualify provided you clear a means test to ascertain your eligibility. Edwin Hardy can meticulously review your situation before you file to help you decide if a Chapter 13 bankruptcy aligns with your best interest. To embark on this path, reach out to Edwin Hardy in Washington, North Carolina at the earliest.

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What Happens During a Chapter 13 Proceeding?

Initially, demonstrating your qualification through the previously mentioned means test is necessary. If you meet the criteria, initiating a Chapter 13 bankruptcy with Edwin Hardy in Washington, North Carolina, will put a standstill to any foreclosures, wage garnishments, repossessions, lawsuits, or other creditor harassment. 


Edwin Hardy will aid you in formulating an appropriate repayment scheme; however, court approval is obligatory. The court will examine whether your proposal is in good faith, and ascertain that the amount your unsecured creditors will receive is no less than what you would have paid under a Chapter 7 filing. Moreover, your payments should capitalize on all your disposable income - the income that is not used for your support and maintenance. 



This process can be intricate, but with Edwin Hardy, a seasoned bankruptcy attorney, you can stride with assurance, knowing that you will navigate through the process successfully. To commence the process, reach out to Edwin Hardy's office today.

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Disclaimer: We are a debt relief agency. We are attorneys who help people file for bankruptcy relief under the bankruptcy code.

Have Questions?

Call Edwin M. Hardy, PC at 252-975-3010 today to speak to an attorney.

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