Chapter 13 bankruptcy
offers a lifeline to
higher-income people
who need to reorganize
their debt – Free Consultation Available
YOUR DEBT
HOUSE AND CAR
YOUR DEBT BURDEN
CALCULATION
EXPERIENCE
“When I do a Chapter 13 analysis, I aim to give you instant gratification. I put all your information – your house, your car, all these things – into a spreadsheet. I calculate your plan payment while we speak on the phone or within minutes. So, not only have I done a consultation, but I’ve also given you immediate insight into your bankruptcy plan. You may pay as low as one penny on the dollar for your unsecured debt. Even if you owe $500,000, you could pay as little as $100 a month split among your general unsecured creditors.”
– Scott Needleman, Attorney
Reviews from Our Chapter 13 Clients
Why Choose Needleman Law Firm As Your
Columbus Chapter 13 Bankruptcy Lawyer
“We pride ourselves in communication. You call our office; you’re not going to go through five prompts to get a secretary’s voicemail. We try to catch our phones live. Good communication is what makes this business go smoothly and eliminates a lot of angst and drama from not being able to get a hold of your attorney or their office.”
– Scott Needleman, Attorney
Pricing for Chapter 13 Bankruptcy With Our Firm
- Upfront Fee Plus Court Costs – We typically file Chapter 13 cases for an upfront fee plus court costs
- Remainder Included in Plan Payment – The remainder of our fees are included in your Chapter 13 plan payment
- Accessible When You Need It Most – Making our services more accessible when you need them most
Comprehensive 7-Step Chapter 13 Bankruptcy Process
INITIAL CONSULTATION
Begin with a consultation to assess your financial situation and determine if Chapter 13 is right for you.
PLAN CALCULATION
I calculate your Chapter 13 plan payment while we speak, giving you immediate insight into your bankruptcy plan.
PLAN REVIEW
Review your calculated plan and discuss how it addresses your debts and financial obligations.
CASE INITIATION
Receive my analysis and the necessary paperwork. Once hired, I open your case files and begin preparation.
PETITION FILING
Complete the documentation, stop the collection process and file your Chapter 13 petition with the bankruptcy court.
CREDITORS MEETING
Attend the creditors meeting (341 meeting) via Zoom or at the courthouse.
PLAN EXECUTION
Begin making your plan payments and successfully complete your 3-5 year repayment plan.
Related Services
Frequently Asked Questions About Chapter 13 Bankruptcy
Generally, individuals with a regular income that exceeds Median Income may need to file Chapter 13 instead of Chapter 7.
The amount varies based on your income, expenses, and types of debt. In some cases, you may pay as little as 1% of your unsecured debts.