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Chapter 13 Bankruptcy


Your Trusted Kennewick Bankruptcy Attorney

Restore your finances with an affordable repayment plan.

Our attorneys discharge loans and create a stable future by guiding you through counseling and the courts.

Are you worried about losing your house or car because of your debt? If you find yourself drowning in mortgage payments, credit card debt, student loan payments, and exorbitant medical bills, you should consider filing for Chapter 13 bankruptcy. The US Bankruptcy code offers a financial safety net for people who may not have made the best financial decisions. Here are some benefits of filing bankruptcy:
If you have any questions, consider asking our Chapter 13 bankruptcy lawyer at McBurney Law Firm. Call us today to schedule a consultation!

Why Do I Need a Chapter 13 Bankruptcy Attorney in Kennewick, WA?

Bankruptcy may be your ticket to getting out of debt. However, the bankruptcy court could deny your petition if you make even a tiny mistake. This makes it crucial to retain the services of an experienced Washington Chapter 13 bankruptcy attorney. Patrick D. McBurney, Jr., Attorney at Law, is at your service!

Why should you hire us? Here are a few compelling reasons:

  • Broad knowledge: Patrick McBurney has been practicing law for well over 25 years, with an emphasis on bankruptcy law, among many others. This knowledge will be indispensable in ensuring the success of your bankruptcy petition. 
  • Individualized legal services: If you decide to hire our firm, you can talk face-to-face with Patrick McBurney for sound legal advice on your case. We know that each case is different, and we will carefully evaluate your case to determine the best options for your situation. 
  • Empathy: As a local law firm, we prioritize building a genuine attorney-client relationship with those we help. We won’t leave you with tons of bankruptcy paperwork to fill. We’ll happily guide you through every step of the bankruptcy process, from crafting your Chapter 13 plan to discharging your debt. 

If you’re ready to get a fresh start, there’s no one better to help you than Patrick McBurney. Call our Washington law office today to schedule a consultation!

What is Chapter 13 Bankruptcy?

Chapter 13 is a long-term bankruptcy solution that gives you a fresh start and restores your creditworthiness quicker than other options. This is known as reorganization bankruptcy, where our experienced attorneys create a payment plan that gets you back on track. After working with us, the courts will discharge your unsecured debts, and we’ll guide you through secured loans.

The courts will appoint a trustee to manage your finances and assets, so you don’t have to live under overwhelming debt anymore. Rather than sell your assets, they keep you accountable to an affordable repayment plan to keep what matters most. Trustees allocate funds to the right creditors on your behalf so you can be free.

Our attorneys explain how to file, fill out the paperwork, attend the confirmation hearing, and more during the bankruptcy journey. Experts on our team have taken care of thousands of individual filers and will restore your finances.

Qualify for Chapter 13

State law dictates whether you’re qualified to file for Chapter 13 in Washington, and it can be challenging to search through local codes. We do the hard work for you in our initial consultation and determine whether this solution is right for you. If you do not have a stable income to fund the repayment plan, our attorneys can also assist you with petitioning for Chapter 7 bankruptcy.
  • You are an individual filer
  • You can’t have filed Chapter 13 in the past two years or Chapter 7 in the past four years
  • Be current on tax returns for the past four years
  • Attend an individual or group credit counseling course within 180 days of filing
  • Earn a regular income that proves you can afford the repayment plan
  • Have less than $419,275 of unsecured debt or $1,257,850 of secured debt
  • Wait 180 days if the courts dismissed you’re previous Chapter 7 or 13 case

Why Chapter 13?

Keep your Property

We save your house, vehicle, and other significant assets from repossession or foreclosure with Chapter 13. Most lenders require these as collateral for secured loans, but our team wins them on your behalf. Our team helps you get a responsible trustee that deals with creditors while we restore your finances.

It’s not fair for you to lose the family vehicle or a roof for your children when there are reliable debt relief solutions available. And we can reduce your monthly repayment amounts with loan cramdowns in special circumstances.

Work with Chapter 13 attorneys in Kennewick and Eastern Washington that navigate you through the bankruptcy process.

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Return to Great Credit Quicker

Many families choose Chapter 7 to get debt-free faster, but that doesn’t mean the bankruptcy record will disappear at the same pace. In fact, it holds on to their credit scoring for up to 10 years, scarring their chances of receiving future loans.

We believe the longer repayment process is worth restoring your creditworthiness quicker than other debt-relief solutions. You can dispel any trace of Chapter 13 within seven years of filing for bankruptcy. That means you can take advantage of healthy credit use and live as a responsible money manager.

Chapter 13 Stabilizes Your Future

If you have enough income and meet the legal requirements for a bankruptcy case, we highly recommend it. Our experienced Chapter 13 attorneys in Spokane and eastern Washington are excited to guide you through every step and get you out on the other side.

The Chapter 13 Process

Attend Credit Counseling

Beginning the bankruptcy journey, we set you up with credit counseling over the phone or at a local agency. Their team will teach you about restoring credit so can apply it during the repayment plan and beyond.

Fill Out Bankruptcy Forms

The Chapter 13 bankruptcy petition can be challenging if you’re not familiar with the court system and legal speak. Trust our experienced attorneys to show you how to file in the United States and gather information about your property, creditors, and income.

Contact the Trustee

The courts will get in touch with a knowledgeable trustee that reviews your paperwork. Once the courts approve your tax returns, bank statements, and other financial information, the trustee will start managing your Chapter 13 bank account.

Go into the Confirmation Hearing

You’ll partner with our bankruptcy attorneys and the trustee to create an affordable repayment plan to erase secured debts. Then, we’ll attend a court hearing with you and testify the proposal and receive feedback from creditors.

Attend Budget Counseling

To further equip you as a wage earner, our team recommends a counseling agency to receive teachings on budgeting. Our team will help you use these principles as you tackle one debt at a time and restore your family’s finances.

Finish the Repayment Plan

A trustee will manage your monthly debt payments and allocate them strategically to each creditor. The 3-5 year process will be intense at times, but it will set in motion a future of financial freedom that keeps you far away from debt.

Get a Clean Slate

Finally, we celebrate with you on succeeding in Chapter 13 bankruptcy! All your secured debts are paid through the repayment plan, and we persuaded the courts to discharge the rest.

Call our Washington Bankruptcy Attorney Now!

Have you ever gotten overwhelmed from thinking about how much money you owe? Are you anxious that the bank could take away your home or car? Get rid of that burden by filing for bankruptcy! Get legal help with your bankruptcy case by calling our Washington bankruptcy lawyer!

Patrick McBurney has helped many clients restart their financial situation with a Chapter 13 bankruptcy case! If you’re ready to take that step towards a secure financial future, consult our Kennewick bankruptcy lawyer today!