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Chapter 13 Bankruptcy

Licensed in Maryland, West Virginia and Pennsylvania

Filing For Chapter 13 Bankruptcy

For millions of Americans, bankruptcy has offered a way to get out from under crippling debt problems. For instance, if you own a home and do not want to lose it to foreclosure, Chapter 13 bankruptcy can help you repay your past due mortgage balance and keep you in your home. Based in Frederick, the Law Office of Arthur W. Boyce since 1986 has helped people throughout the Tri-State region of Maryland, Pennsylvania and West Virginia. Mr. Boyce has helped many people throughout the area use Chapter 13 bankruptcy to reorganize their finances. To discuss your debt relief options with an experienced lawyer, call 240-575-1033 to schedule a consultation.

Reorganizing Your Finances

Under Chapter 13, you will propose a plan to repay your creditors over a three- to five-year period. The plan you propose will deal with your various debts, such as tax debts, student loans, creditors with liens against your property, judgments against you, unpaid child support, credit card debt, medical bills, and taxes. Some debts, such as credit cards and medical bills, may be paid only a fraction of what they are owed. When you have completed your payment plan, you will be essentially debt free.

A Process That Gives Debtors Many Options

If you file Chapter 13 bankruptcy, you may have more options than you would under Chapter 7 bankruptcy. For instance, if you have a second mortgage, you may able to remove its lien from your home. This process is known as lien stripping. If the value of your home is less than the value of your first mortgage, a second or additional mortgage can be discharged in bankruptcy and the lien removed.

If you have a loan for your vehicle, the obligation on the debt may be reduced to reflect the fair market value of your car, rather than the amount of the loan. This can represent major savings for many car owners.

Contact Attorney Arthur W. Boyce Today

Call 240-575-1033 or e-mail the Law Office of Arthur W. Boyce in Frederick to discuss whether or not filing Chapter 13 bankruptcy is best for your situation.

The Law Office of Arthur W. Boyce is a debt relief agency which will help you obtain relief under the Bankruptcy Code.


“Dear Mr. Boyce, Thank you very much for all you did for us for our bankruptcy. You were quick and efficient, and we appreciate it. Also many thanks to your staff who were always helpful, kind and efficient – a pleasure to talk to!! Please give them our regards.”
5.0 Rating ★★★★★

“I came to you during the most difficult time in my life so far. You were a straight shooter from the start which I appreciated. The work you put into my case amazed me. I know I couldn’t have done it. Then to watch you in court was the icing on the cake. You were always professional and well prepared.”
5.0 Rating ★★★★★

“I would like to thank you and your staff for handling my issues with professionalism and respect. Your advice and expertise was exceptional. I really do appreciate the time and effort you put into my case and found an excellent outcome.”
5.0 Rating ★★★★★