If you have been struggling with debt, creditor harassment, and the stress of financial hardship, Watton Law Group is here to help you get through this difficult time. Our compassionate attorneys have helped thousands of people in Arkansas and beyond achieve financial stability through tailored bankruptcy solutions.
For more than 25 years, we have earned national recognition for our work guiding clients toward financial freedom. We treat every case with care, taking the time to fully understand each client’s financial situation. This approach allows us to develop practical, personalized strategies that support your current and future needs. When you work with us, you can feel confident that the team has your best interests at heart.
Call Watton Law Group today at (501) 356-3810 or contact us online to schedule a meeting with our Chapter 13 bankruptcy attorneys in Arkansas!
Chapter 13 bankruptcy is one of the most common forms of bankruptcy available to individuals. It allows you to shed some debts and reorganize others under the supervision of a federal court. In many cases, you can pay off a portion of your debt and retain your home, car, and other essential property and assets.
When you file for Chapter 13, you agree to a repayment plan, approved by a judge, that spans three to five years. During this period, your creditors and debt collectors must stop contacting you or attempting to collect. You can protect your property from foreclosure or repossession by staying current with your payment plan.
Chapter 13 provides peace of mind and a much-needed fresh start for individuals and families in Arkansas.
When you pursue Chapter 13 bankruptcy in Arkansas, you work through either the United States Bankruptcy Court for the Eastern or Western District, depending on your county. Each district follows its own local guidance and trustee policies. Arkansas state law offers exemptions that may help you retain your primary residence, a vehicle, retirement savings, and personal property throughout the repayment period. The process starts when you submit a petition to the bankruptcy court and propose a payment plan according to your income, expenses, and secured debt. The court holds a confirmation hearing, and a trustee manages payments and creditor communication during your plan. Meeting Arkansas’s income standards and carefully following all filing rules can make the court process smoother. If you have questions about state exemptions or local procedures, our team helps you understand each critical step so you feel prepared.
Before you file for Chapter 13 bankruptcy, you must meet eligibility requirements under both federal bankruptcy laws and Arkansas state guidelines. You must have regular income to support a repayment plan, and your debts—both secured and unsecured—must fall within current federal limits. In Arkansas, you may take advantage of exemptions that help protect your home, a single vehicle, retirement accounts, and necessary household goods. The homestead exemption in Arkansas is especially important for homeowners who want to keep their primary residence.
We guide you through Arkansas exemptions that may match your situation, clarifying what types of property you can likely keep. Every client’s circumstances differ—factors like family size, property value, marital status, and income shape which exemptions may apply. We consider all relevant details to ensure your Chapter 13 plan fits your life and priorities, so you stay informed and in control during the process.
Our team combines national reach with deep local commitment. With over 25 years of assisting clients, we have helped thousands of individuals and families navigate Chapter 13 bankruptcy cases with compassion, transparency, and attention to detail. Many of our attorneys have earned recognition from Best Lawyers in America® and Super Lawyers®, and our firm’s approach was noted by Best Law Firms®. Clients come to us for our proven track record, clear communication, and respect for each person’s goals and circumstances.
Because our attorneys maintain a strong presence in Arkansas, we stay current on regional filing patterns, trustee expectations, and rules established in the Eastern and Western District Bankruptcy Courts. This knowledge allows us to anticipate potential challenges for Arkansas residents and offer practical solutions tailored to your community. Throughout your case, we keep you advised of updates and walk you through each stage of your repayment plan. Our national reputation and local focus help clients feel supported at every step.
Contact Watton Law Group by calling (501) 356-3810 today to schedule a FREE consultation with our Arkansas Chapter 13 bankruptcy lawyers.
Many people in Arkansas keep their home and one vehicle by using state and federal exemptions available in Chapter 13 bankruptcy. These protections depend on your property value, loan amounts, and your ability to stay current with your payment plan.
Filing for Chapter 13 generally stops wage garnishment and foreclosure actions through an automatic stay. This protection continues as long as you follow your confirmed repayment plan and meet all court requirements during your case.
Watton Law Group is a full-service debt relief agency with the resources to tackle even the toughest cases. We offer unique insight into an array of services, tailoring our proven strategies to each case we take on.
Over 25+ years, we’ve grown into a national network, but we still maintain our strong local roots and caring approach to provide the highest level of personalized service to our clients. It’s why clients continually trust us to guide them through turbulent times.
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At Watton Law Group, we offer free, confidential consultations to all prospective clients. During these consultations, we can discuss whether Chapter 13 bankruptcy is the best course of action for you.
Should you decide to move forward, we will dive headfirst into tackling your case. First, our experienced Chapter 13 bankruptcy lawyers will thoroughly audit your financial situation. We will then use this information to devise a repayment plan that works for you and help you develop a practical budget. From there, we will work tirelessly to expedite the bankruptcy process.
Our genuine passion for helping our clients is evidenced by the detailed care and attention we devote to each case we take on. Our goal is to help you regain financial stability and maintain it once there.
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