Ralph W. Wilkerson Attorney at Law twitter logo-blue box facebook logo-blue

MT: 406-690-8300 | AZ: 602-524-4329 

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When considering bankruptcy, it is obvious that you would want to consider how much a quality lawyer will cost. We provide FREE initial consultations on chapter 13 and chapter 7 bankruptcy so you can see just how affordable our services can be.

What is chapter 13 bankruptcy?

Chapter 13 bankruptcy is a program that allows you to repay all or a portion of your debts without interest over a specified period of time. This allows you to demonstrate your ability to continue paying off debts which may help you in the future if you attempt to take out a loan.


When you file for chapter 13 bankruptcy, you will pay whatever you can afford for 3-5 years and still eliminate most unsecured debts. This is often the best option if your annual income is too high or you're simply behind on a loan that you are certain can be repaid with a little help from a bankruptcy court.

•  Prevent foreclosure

•  Prevent repossession

•  Catch up on past-due vehicle loans and mortgages

•  Keep your car and other valuables

•  Eliminate or reduce tax debt

•  Consolidate debt into affordable payments

•  Eliminate most unsecured debts

We have over 15 years of experience freeing clients from the constraints of crippling debt. Call:

Bankruptcy can have an extremely adverse effect on your credit. Allow us to help you file for chapter 13 bankruptcy so you can get the help you need while maintaining a favorable opinion with creditors.


Potential benefits of chapter 13 bankruptcy

Get a FREE initial consultation

Prevent a foreclosure and stop harassing creditor calls with the help of our compassionate attorney.