Chapter 13 Bankruptcy

Chapter 13 Bankruptcies and Chapter 13 Bankruptcy Attorneys in Cherry Hill, NJ - JD Law Group

Understanding Chapter 13 Bankruptcies

Dealing with overwhelming debt can be stressful and confusing. At JD Law Group in Cherry Hill, NJ, we specialize in Chapter 13 bankruptcies, offering professional guidance to help you regain financial stability and peace of mind.

Chapter 13 bankruptcy, often referred to as a wage earner's plan, allows individuals with regular income to create a plan to repay all or part of their debts over three to five years. This type of bankruptcy is ideal for those who have a steady income but need help managing their debt load, allowing them to keep their property and catch up on missed mortgage or car payments.

Why Choose JD Law Group?

At JD Law Group, we understand that each client’s financial situation is unique. Our experienced Chapter 13 bankruptcy attorneys in Cherry Hill, NJ, are dedicated to providing personalized and effective solutions tailored to your specific needs. Here’s why you should choose us:

  1. Expertise and Experience: Our attorneys have extensive experience handling Chapter 13 bankruptcies. We stay current with the latest bankruptcy laws and court rulings to ensure the best possible outcomes for our clients.
  2. Personalized Service: We believe in treating each client with respect and attention. Our attorneys take the time to understand your situation and provide solutions that fit your needs.
  3. Comprehensive Support: From the initial consultation to the final discharge of your debts, we offer comprehensive support throughout the bankruptcy process. We handle all aspects of your case, including filing the necessary paperwork and representing you in court.
  4. Free Consultation: We offer a free initial consultation to help you understand your options and determine if Chapter 13 bankruptcy is the right choice for you.

The Chapter 13 Bankruptcy Process

Filing for Chapter 13 bankruptcy involves several steps, and having a knowledgeable attorney by your side can make the process smoother and less stressful. Here’s an overview of what to expect:

  1. Free Initial Consultation: During your initial consultation with JD Law Group, we will assess your financial situation and discuss your options. If Chapter 13 bankruptcy is appropriate, we will guide you through the next steps.
  2. Filing the Petition: Our attorneys will help you prepare and file the bankruptcy petition with the court. This document includes detailed information about your debts, assets, income, and expenses.
  3. Automatic Stay: Once your petition is filed, an automatic stay goes into effect. This prevents creditors from taking any further collection actions against you, providing immediate relief from harassment and lawsuits.
  4. Creating a Repayment Plan: We will work with you to create a feasible repayment plan that fits your budget and satisfies your creditors. This plan typically spans three to five years, during which you will make regular payments to a bankruptcy trustee.
  5. Meeting of Creditors: Approximately 20-40 days after filing, you will attend a meeting of creditors, also known as a 341 meeting. Your attorney will accompany you to this meeting, where the bankruptcy trustee and any creditors can ask questions about your financial situation and repayment plan.
  6. Confirmation Hearing: The court will hold a confirmation hearing to approve your repayment plan. Once approved, you will begin making payments according to the plan.
  7. Debt Discharge: Upon successful completion of your repayment plan, any remaining eligible debts will be discharged. This means you are no longer legally obligated to repay these debts.

Life After Chapter 13 Bankruptcy

Filing for Chapter 13 bankruptcy can provide a fresh start, but it’s essential to take steps to rebuild your financial health. At JD Law Group, we offer post-bankruptcy counseling to help you manage your finances, rebuild your credit, and avoid future financial pitfalls. Our goal is to provide you with the tools and knowledge you need to make the most of your second chance.

Contact JD Law Group Today

If you are struggling with overwhelming debt, JD Law Group is here to help. Our experienced Chapter 13 bankruptcy attorneys in Cherry Hill, NJ, are committed to helping you achieve financial freedom. Contact us today for a free consultation and take the first step towards a brighter financial future. (856) 220-3800


Let JD Law Group be your partner in navigating the complexities of Chapter 13 bankruptcy. We are dedicated to providing compassionate, expert legal support to help you achieve the financial relief you deserve.

Some of the Surrounding Communities We Serve with Chapter 13 Bankruptcy Services:

  • Barrington NJ Chapter 13 Bankruptcy Attorney
  • Haddon Heights NJ Chapter 13 Bankruptcy Attorney
  • Haddonfield NJ Chapter 13 Bankruptcy Attorney
  • Lawnside NJ Chapter 13 Bankruptcy Attorney
  • Merchantville NJ Chapter 13 Bankruptcy Attorney
  • Pennsauken NJ Chapter 13 Bankruptcy Attorney
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