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Chapter 13 is a reorganization bankruptcy, which allows for protection from creditor's collection efforts and for a controlled repayment of debts, most often at very small fraction of what is owed. 

Reduce Debt and Improve Credit!

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Can I Afford Chapter 13?

It is a common misconception that Chapter 13 plans leave individuals with insufficient funds to meet their necessary household expenses.  This is not true; however, it could be if someone is not effectively advocating on your behalf. This is why it so important to have an attorney with the experience and willingness to fight for a plan that works for you.  

Chapter 13 is an extremely powerful tool, which allows you to:

Chapter 7 allows an individual to a make a fresh start by legally eliminating, or "discharging", debt. Chapter 7 can eliminate most, if not all, of your debts. It is a quick and powerful tool to put an end to financial stress, release financial obligations for unwanted real or personal property, and stop harassing creditor phone calls.  


Chapter 7 allows you to eliminate, or "discharge", debts such as: 

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This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.

Click here for more information on Chapter 13.

  • Stop harassing creditor phone calls and collection efforts;
  • Repay your unsecured debt at a fraction of what is owed ("best efforts" repayment plan);
  • Stop compounding interest, penalties and late fees;
  • Prevent or stop lawsuits and judgments; and
  • End or prevent wage garnishments.

If you are overwhelmed by unsecured debt, such as credit card debt or medical bills, you are not alone and you have options.  With interest and late fees piling up, we understand that it can feel hopeless, but it is not.  We take the time to review each individual's situation to determine what option is the best for him or her. Call or email us today and we will give you the information you need to get your finances back in order - 616.389.0629 or rfbeachlaw@gmail.com   

Call our office today at 616.389.0629 so that we can discuss your situation and help you decide what course of action is right for you. 

  • Credit cards;
  • Personal loans;
  • Unsecured loans;
  • Medical bills;
  • Past due utility bills;
  • Loan deficiency debt;
  • Debt which forms the basis of judgments and garnishments;
  • Mortgages; and
  • Auto loans.