CRAM DOWN YOUR DEBT IN HAWAII

HONOLULU CHAPTER 13 DEBT RELIEF ATTORNEY SERVING CLIENTS THROUGHOUT THE HAWAIIAN ISLANDS

Many people could make ends meet if they could just get one or two of their monthly bills paid off or reduced — sometimes as little as $50 per month would make the difference between paying on time or juggling between credit cards.

Through Chapter 13, it is possible to “cram down” your secured debt. Here is a good example of how it works: If you have a secured car loan that you signed for while interest rates were high, you probably owe more for the car than the car is worth if you tried to sell it. Don’t feel bad, most cars are like that as soon as you drive them off the lot.

Through Chapter 13 bankruptcy, you can actually reduce the amount you owe, back down to the fair market value of the car, lower the interest rate, then include that amount in your court-supervised debt restructure plan over a three- to five-year repayment period. The same holds true for any type of secured loan, including a boat, motorcycle and furniture.

I AM READY TO HELP YOU GET A FRESH START — CALL TODAY

It is important to have the right lawyer with the right experience representing you through your Chapter 13 bankruptcy filing.

Watch my videos and read my articles to learn more about ways bankruptcy can help.

No matter where you reside in the Hawaiian Islands, call 808-585-1000 or send an email to my office in Honolulu to schedule a free initial consultation. I will explain your options and help you see a brighter tomorrow.