CONSUMER REORGANIZATION 

If you’re an individual looking for a way out of a messy financial situation, you can turn to the Law Office of Carl M. Barto for help with your debt issues. Filing for bankruptcy is often the best option for individuals who are overwhelmed with credit card debt, medical expenses, and other money issues. When possible, our attorneys will suggest filing for Chapter 13 bankruptcy, which involves the creation of a payment plan to pay down debt on a regular basis to creditors.

In Chapter 13 bankruptcy, a payment plan will be devised with help from a Chapter 13 bankruptcy attorney to pay creditors back over a specific period of time. The payments will be based on an individual’s ability to pay. The maximum amount of time allowed for these payment plans is five years. After the agreed-upon payment plan time has expired, the debts may be cleared as long as the debtor did not miss any payments.