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Debt Reorganization
& Repayment

Debt Reorganization & Repayment in Baltimore, MD

Handling Cases Throughout the Entire State of Maryland

If you plan to restructure and repay your debt through Chapter 13 bankruptcy, our attorneys at Sanchez Garrison & Associates, LLC, offer ongoing support after you have filed. We understand your financial circumstances and will work with you to develop a personalized repayment strategy.

Your Chapter 13 plan outlines how you will pay creditors over a period of 3 to 5 years, including all relevant debts. With our guidance, we can develop a plan tailored to your financial capabilities and current situation, making it easier to manage your debts.

Don’t navigate Chapter 13 alone. Call us at (410) 406-7372 or schedule a consultation for personalized repayment strategies.

Guiding You Through Baltimore's Chapter 13 Bankruptcy Process

Even with a carefully crafted plan, Chapter 13 is a complex legal process. As your trusted advisors, we will walk you through every step of the process, from filing to discharge. We will represent your interests in all negotiations and hearings to secure court approval of your plan.

The central aspect of your Chapter 13 bankruptcy case is your new debt repayment plan that will be proposed to your creditors and the court. This plan must include all your debts and can be made with our assistance. Even if you carefully consider your plan, the creditors will have the ability to object. However, it will likely be approved if we can devise a plan to meet everyone’s satisfaction. Payments begin the month following your filing.

You Will Need to Repay the Following if You Choose Chapter 13 Bankruptcy:

  • Priority debt — Priority debts include child support, tax obligations, and alimony arrearages.
  • Secured debt — You can usually keep your car or house, but you must keep paying on your car loan or mortgage. The court decides whether these amounts will be included in your plan.
  • Unsecured debt — This plan applies your disposable income and allowed living expenses toward debts such as credit card balances or medical bills. Sometimes, you will not need to repay these debts fully, assuming you can show you are putting the remaining income toward other creditors.
  • Value of non-exempt property — If you can afford to do so, you can keep most of your property after filing for Chapter 13 bankruptcy.

Take the first step toward financial stability. Call (410) 406-7372 or contact us online for a free case evaluation. 

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Why Choose Us?

  • Focused & Dedicated to Only Handle Bankruptcy Cases
  • More Than 50 Years of Experience
  • Top-Rated Maryland Law Firm
  • Everything Can Be Done Virtually in the Comfort of Your Home
  • We Handle Cases Throughout the Entire State of Maryland