Chapter 13

Helping you repay your debts over time without losing your hard-earned assets
Contact Us Today

Chapter 13 Bankruptcy Attorney In Asheville, North Carolina

What Is A Chapter 13 Bankruptcy?

If you're struggling to keep up with your mortgage or car payments, a Chapter 13 bankruptcy might be the solution you need. Leonard & Moore, PLLC in Asheville, North Carolina, is here to guide you through the process of potentially stopping foreclosure on your home, preserving your vehicle, and even exploring options to reduce your car payments. We understand that financial challenges can arise, and we're dedicated to helping you find a manageable path forward.


During Chapter 13 proceedings, some may qualify for a plan that requires paying only a fraction of the debt while keeping ownership of important assets like your home and car. Additionally, if you've lost your driver's license due to unpaid parking fines, Chapter 13 could offer a route to regain your driving privileges.


At Leonard & Moore, PLLC, we have a track record of assisting individuals like you in pursuing favorable Chapter 13 outcomes. Let us work with you to navigate your financial situation and explore the options that best suit your needs. Schedule a consultation with us today to discuss how we can help you move towards a more secure future.

Call Leonard & Moore, PLLC at 828-532-2837 to schedule a consultation with a lawyer today.

How Do I Qualify for a Chapter 13 Bankruptcy?

At Leonard & Moore, PLLC in Asheville, North Carolina, we understand the complexities that come with considering a Chapter 13 bankruptcy. If you have a regular, stable income – whether it's from employment, Social Security, disability benefits, unemployment payments, retirement benefits, or rental income – you may qualify to restructure your debts. Remember, certain professions, such as stock or commodity brokers, and corporations do not qualify for Chapter 13. However, sole proprietors and self-employed individuals might have eligibility if their debts meet specific criteria. If your debts extend over three to five years, you might also qualify, contingent upon a means test. Our dedicated legal team is here to thoroughly review your financial situation before filing, guiding you to determine if Chapter 13 is a suitable choice. Reach out to our office in Asheville as soon as possible to take the first step towards financial relief.

What Happens During a Chapter 13 Proceeding?

At Leonard & Moore, PLLC in Asheville, North Carolina, we understand the challenges and stress that financial difficulties can bring. If you're considering filing for Chapter 13 bankruptcy, it's crucial to first determine your eligibility through the means test. Once eligibility is established, you can take comfort in knowing that a Chapter 13 filing can halt foreclosures, wage garnishments, repossessions, lawsuits, and other creditor actions.


We'll assist you in crafting a repayment plan designed to get you back on track. It’s important to note that the plan must receive court approval, which involves demonstrating good faith in its proposal and ensuring that the repayment amount to unsecured creditors meets or exceeds what they would receive under a Chapter 7 filing. Additionally, the court requires that your repayment plan allocate all your disposable income towards satisfying these obligations, meaning any income surplus after your basic living expenses is to be used for repayment.


Navigating this process can be intricate, but with Leonard & Moore, PLLC by your side, you can approach it with confidence. Our dedicated team is here to support you every step of the way. To begin your journey towards financial recovery, contact our Asheville office today.

Contact Us Now

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

Have Questions?

Leonard & Moore, PLLC is here to help you break free from debt.

Contact us at 828-532-2837 today for a free consultation and take the first step toward financial relief.

Share by: