Chapter 12 and 13

Chapter 12 and 13

Colorado Chapter 12 and 13 Bankruptcy Attorney

Representing Individuals in Chapters 12 and 13

If you do not qualify for Chapter 7 bankruptcy or you have significant assets, you can still seek debt relief through Chapter 13. If you own a farm, you can reorganize your debt and eliminate certain liens through Chapter 12. At Rupp-Zimmerman Law, P.C., in Fort Collins, Colorado, I help clients throughout Larimer County restructure their debts through Chapters 12 and 13.

I am bankruptcy attorney Jacob Rupp-Zimmerman. The focus of my bankruptcy law practice is helping clients resolve their debt issues and move on with their lives. I have experience in helping clients stop foreclosure, car repossession and wage garnishment. I can help you keep your home and other assets like rental properties. I also can stop creditor harassment.

Contact me for a free initial consultation.

How Does Chapter 13 Work?

Through Chapter 13, I can help you create a repayment plan to pay down your debt over three to five years. I can help lower your monthly payments on your debts and stop interest and penalties on tax debt.

With experience as a tax lawyer, I help you strategically plan your taxes if you are filing for Chapter 13. For instance, if in your current tax year you know you will owe money, you can include tax debt in your Chapter 13 bankruptcy plan and pay it down over three to five years. This is especially helpful for independent contractors.

If your business is set up as a sole proprietorship and you are liable for its debts, I can help you file for Chapter 13 personal bankruptcy and include those debts. While Chapter 13 is not open to businesses, I can help you reorganize your business under Chapter 11.

Protecting Farmers Through Chapter 12

Chapter 12 is very similar to Chapter 13 bankruptcy. To be eligible for it, at least 80 percent of your debts must be tied to the operation of a family farm.

My commitment to farmers is rooted in my family history. My grandparents owned a dairy farm, and I know the hard work that goes into running a farm. Your farm is your livelihood, and I can help you protect it through a Chapter 12 filing.

For All Your Bankruptcy Needs, Contact Rupp-Zimmerman Law, P.C.

Contact me to discuss your case. My office is located in the Opera Galleria building in downtown Fort Collins. Hours are 7 a.m. to 5 p.m. Monday through Thursday, and 9 a.m. to 3 p.m. on Friday. I offer prearranged evening and weekend appointments. Major credit cards are accepted.