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Bankruptcy Attorney, Huntsville, AL Happy Flower Photo - Law Offices of Joseph G. Pleva

Huntsville’s Chapter 13 Bankruptcy Attorney

The Law Offices of Joseph G. Pleva provides legal advice to guide clients through the Chapter 13 bankruptcy process.

What Is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy enables individuals who receive a regular income to develop a plan to repay their debts in installments over three to five years. A few types of borrowers who may benefit from filing for Chapter 13 bankruptcy are those whose homes or vehicles are at risk of foreclosure or repossession, those with excessive income tax or student loan debt, and anyone owing criminal fines, traffic tickets, or past-due child support. Borrowers whose income is too high to file for Chapter 7 may qualify for Chapter 13 bankruptcy. For more information on bankruptcy, check out these common bankruptcy myths.

The Bankruptcy Process

Under Chapter 13 bankruptcy, borrowers work with an attorney to create a plan that highlights how debts, liens, assets, and liabilities will be dealt with. The borrower usually gets to keep his property, although creditors are usually repaid less money since the borrower can’t afford to repay the amount in full. Chapter 13 bankruptcy stays on individuals’ credit reports for up to seven years, but sometimes borrowers begin getting new credit accounts after their plan is confirmed. However, some borrowers who have declared bankruptcy have trouble obtaining new credit accounts after the filing due to the risk associated with bankruptcy.

Contact the Law Offices of Joseph G. Pleva

Joseph G. Pleva is an experienced bankruptcy attorney who would be proud to guide you through the bankruptcy filing process. Our staff is dedicated to getting to know each client and their specific circumstances, so we’ll create an action plan tailored to your best interests.


Call the Law Offices of Joseph G. Pleva today to schedule a free in-person meeting, video chat, or telephone consultation.

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(256) 617-7115

Law Offices of Joseph G Pleva
3330 L & N Drive SW, Suite C
Huntsville, AL 35801
(256) 617-7115

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