Lowell Chapter 13 Bankruptcy Lawyer

Do you bring in a steady income but still struggle to pay your bills? If so, Chapter 13 Bankruptcy may be right for you. At the Oberhauser Law Office, we review your financial situation and determine whether filing bankruptcy will help obtain the debt relief you need.

Responsive and Cost-Effective Legal Services
Call (978) 735-2913, today for a free initial consultation.

When you are struggling financially, you need a bankruptcy lawyer who offers quality debt relief assistance at a reasonable cost. At the Oberhauser Law Office, we offer a free initial consultation to discuss your situation and how we can help. We listen to your concerns and provide honest answers to your questions about the bankruptcy process. If you decide to go through with filing Chapter 13 Bankruptcy, we take immediate action to start you on the path towards financial freedom.

Chapter 13 Basics

Filing Chapter 13 Bankruptcy allows individuals to keep many of their possessions and assets. Under this plan, a trustee consolidates debt into one monthly plan payment. The debtor is then required to complete the plan, usually within a three or five year period. After the payment plan is over, all remaining unsecured debt is discharged. At the Oberhauser Law Office, we thoroughly explain how this process works and offer legal advice on how you can successfully complete the bankruptcy.

Cram Down Loans and Mortgages

In many situations where our clients are struggling to make car payments or mortgages, the blue book value of their car or the value of their home is less than what they actually paid for it. When filing Chapter 13 Bankruptcy, we can help "cram down" the payment to the true value of the property. If you have a second home mortgage, we will work to remove the second mortgage and lower the payments to a reasonable amount.

Contact Us

Stop home foreclosure and harassing calls from creditors. Lower you monthly payments. Get the debt relief you need.

At the Oberhauser Law Office, in Lowell, Massachusetts, we help clients obtain financial relief. Contact a lawyer today for a free consultation, and learn if Chapter 13 Bankruptcy is the best option for you.

Many people who qualify for bankruptcy are at or below the median income level for their state. Please see our median income table to see if you fall into this category.