By: Darrell Castle

A Chapter 13 bankruptcy is a reorganization of your debts into an affordable longer repayment plan.

By filing for Chapter 13, all of your debts will be lumped into a plan – 3-5 years – in which you make payments towards your debt. These are small affordable payments calculated by your attorney according to your income and expenses.


Chapter 13 bankruptcy has many unique advantages, one being the ability to keep your property (house or car) if you’re behind on your payments. You can include these secured debts (debt backed by collateral) and stop your foreclosure or repossession!

Then once the bankruptcy is complete, you’re free of that debt and current on your property. You’re also free of that stress caused by being in debt and the constant worry of how you’re going to pay your bills.

This is also a terrific opportunity to begin rebuilding your finances the RIGHT WAY. You have a clean slate so do something good with it.

At Darrell Castle & Associates, we want to help you get out of debt through bankruptcy and ALSO provide you with the tools to succeed after. That’s why we offer our clients free access to 7 Steps to a 720. This online course teaches you tips and tricks the banks don’t want you to know in regards to re-establishing and rebuilding your credit score the RIGHT WAY.

You need an attorney you can trust. You need an attorney with your best interest at heart. You need an attorney who will care for you and walk and talk you through every step of the process.

Our office has received multiple Client Distinction Awards from Martindale-Hubbel because we have our client’s best interest at heart and want to see them succeed.

If you’re struggling financially and want to talk to someone experienced about your options, then our FREE consultation is perfect for you. Call (901) 327-2100 today to schedule your appointment, or fill out one of the contact forms on this page.