Debt Consolidation Lawyer
Tired of juggling a dozen bills and dodging collection calls? Chapter 13 folds what you owe into one affordable monthly payment you can actually live with. Our debt consolidation lawyer makes it simple and affordable across Philadelphia and South Jersey.
One payment, one plan
Chapter 13 rolls your debts into a single court-approved monthly payment, so the collection calls stop and you pay down what you owe on terms built around your real budget. No new loan, no good credit required, and no judgment from us. We serve people across Greater Philadelphia and all of South Jersey.
How Chapter 13 consolidates your debt
- Roll multiple debts into one monthly payment
- Stop collection calls and lawsuits
- Pay down what you owe over 3 to 5 years
- Often repay only a portion of unsecured debt
Why it beats a consolidation loan
- No new loan and no good credit required
- Court protection a private loan cannot give you
- Interest and late fees generally stop
- One predictable payment, shaped around your budget
The Debt Consolidation Roadmap
A clear path to one affordable monthly payment.
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Step 1 of 13
Free consultation
Phone or Zoom, zero obligation. We review your debts, income, and what you most want to protect.
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Step 2 of 13
Credit counseling
A quick, required online course before we can file. About an hour.
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Step 3 of 13
We gather your documents
Pay stubs, tax returns, and a list of what you own and owe. You dig them up, we do the rest.
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Step 4 of 13
We build your plan
One affordable monthly payment, shaped around your real budget, over 3 to 5 years.
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Step 5 of 13
We file
The moment we file, the automatic stay stops foreclosure, repossession, garnishment, and collection calls.
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Step 6 of 13
Your first payment
You start your monthly plan payment within 30 days of filing, even before it is approved.
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Step 7 of 13
Meeting of creditors
A short, routine video meeting with the trustee, often five minutes. We prep you for it.
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Step 8 of 13
The trustee reviews your plan
The Chapter 13 trustee checks your numbers and may ask for a small tweak or two.
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Step 9 of 13
Plan confirmation
The court approves your plan. Once it is confirmed, it is locked in and your creditors must follow it.
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Step 10 of 13
You make your payments
One payment a month to the trustee, who pays your creditors. Keep it up and you stay protected.
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Step 11 of 13
Debtor education course
One more quick online course, completed before your plan wraps up.
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Step 12 of 13
You finish the plan
After 3 to 5 years, you have caught up and met every obligation in the plan.
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Step 13 of 13
Discharge
The court wipes out any remaining qualifying debt. You are done, and you kept what matters.
We will help you get to a 720 credit score
It will not take long to rebuild your credit because we give you the tools to do it. 7 Steps to a 720 Credit Score is a free bonus course, included with your case, that can get you to a 720 credit score in under two years.
Follow the steps and you could be back to a great score in no time: qualifying for low-interest cards, saving thousands on car and home loans, and never again dreading a credit check from a landlord or employer.
Debt Consolidation questions
Is this a consolidation loan?
No. It is Chapter 13, a court-approved repayment plan. There is no new loan to qualify for, which is what makes it work even when your credit is already hurting.
Do I need good credit to qualify?
No. Unlike a bank consolidation loan, Chapter 13 does not require good credit. It is built for people who are already behind.
How much will my one payment be?
It is based on your income, your expenses, and what you owe. We will walk through the numbers with you in your free consultation before anything is filed.
Will it really stop the collection calls?
Yes. The moment we file, an automatic stay stops collection calls, lawsuits, and wage garnishment while you repay through the plan.
Can I do this from Philadelphia or South Jersey without coming in?
Yes. We handle everything over phone and Zoom, from your first call through your filing, anywhere in Greater Philadelphia or South Jersey.