If you’re behind on your mortgage or car loan—or simply need time to catch up on some payments—Chapter 13 bankruptcy may provide the breathing room you need. Chapter 13 allows you to restructure certain debts into a manageable repayment plan over three to five years. This approach helps you keep your property while stopping foreclosure, repossession, garnishments, and other collection actions.

At Morgan Law Offices, we are Western Montana’s only multi-attorney bankruptcy firm, focusing exclusively on bankruptcy law. Our attorneys guide individuals, families, and small business owners through the bankruptcy process, helping them create repayment plans that protect what matters most.

When you file for Chapter 13 bankruptcy, the automatic stay immediately stops foreclosures, repossessions, garnishments, and all other collections. You’ll work with your attorney to propose a repayment plan based on your income, expenses, and goals.

Your plan will consolidate certain debts into a single monthly payment to a bankruptcy trustee, who then distributes the funds to your creditors according to a court-approved plan. The plan reorganizes all of your debts so you can focus on your future.

• Stops foreclosure and repossession immediately

• Allows you to keep your home, car, and other property

• Consolidates certain debt into a single monthly payment

• Protects co-signers on all consumer debts

• Reduces interest rates and/or lowers the principal on some secured debts

With nearly four decades of combined experience, we have helped countless Montanans use Chapter 13 bankruptcy to save their homes, protect their property, and regain financial stability. We provide clear, compassionate guidance through every stage—from designing your repayment plan to obtaining your discharge—so you always know what to expect. Whether you meet with us in our downtown Missoula office or through a remote consultation, you’ll receive the highest level of service and support.