Chapter 13 Take Control of Your Financial Future

Chapter 13 Bankruptcy Attorney in Overland Park, KS

Your Trusted Partner for Debt Relief in Kansas Since 2005

Suffering the burden of crushing debt, overdue bills, and the threat of foreclosure or repossession is not something that you have to go through alone. Through a Chapter 13 bankruptcy filing, we can help you regain a stable financial footing, keep your property, and obtain debt relief.

Sarah helps our clients make new beginnings by guiding them through the bankruptcy process. During your free, no-obligation consultation, Sarah will review your individual financial situation in order to recommend the best solution for you. She is very experienced in bankruptcy law and compassionate to each client’s individual needs. We will do our best to help you.

Understanding the Chapter 13 Bankruptcy Process

For those who have a regular income, a Chapter 13 plan will help to reorganize all debts and retain property. Your plan will include a monthly payment to a Chapter 13 trustee, who will make regular payments to your creditors over three to five years. The repayment plan usually includes house payments, car payments, tax debt, and other debts that are not discharged in a bankruptcy. Rarely do you have to repay unsecured debt in a Chapter 13, unless you can afford to do so. If your monthly income is less than the state’s median income, the payment plan will be for three years, unless the court approves a longer period. If your monthly income is greater than the state’s median, the payment plan generally must be for five years. During the repayment period, the law forbids certain creditors from starting or continuing collection efforts. Chapter 13 cases are often complicated and require an experienced attorney for review before filing.

Additional information about the bankruptcy process can be found on our Bankruptcy FAQ page.

Contact Sarah for a personalized evaluation to determine if Chapter 13 bankruptcy or a Chapter 7 bankruptcy is right for you.

Frequently Asked Questions About Chapter 13 Bankruptcy in Overland Park, KS

How does Chapter 13 Bankruptcy work in Overland Park, KS?

In Overland Park, KS, individuals filing for Chapter 13 Bankruptcy must have regular income and create a payment plan to repay all debts over three to five years. This plan will include house payments, car payments, tax debt, and other debts that are not discharged in a bankruptcy. The repayment plan is usually agreed upon by the court and the debtor's creditors.

Can I keep my property with Chapter 13 Bankruptcy?

Yes. When you file for Chapter 13 Bankruptcy in Overland Park, KS you can keep your property as long as you make your monthly payments according to your repayment plan.

The Advantages of a Chapter 13 Bankruptcy

Chapter 13 may offer you an opportunity to save your home from foreclosure. By filing a Chapter 13 bankruptcy, you may be able to get debt relief, stop foreclosure proceedings, and resolve delinquent mortgage payments over time. However, it is still necessary to make all mortgage payments that come due during the Chapter 13 payment plan on time.

Another advantage of a Chapter 13 bankruptcy filing is that it allows individuals to reschedule secured debts and extend them over the life of the Chapter 13 plan, with the exception of a primary-residence mortgage. Examples of debts that can be rescheduled are vehicle loans and tax debt. Rescheduling these debts may lower the payments for the debts and reduce interest and penalties.

A Chapter 13 bankruptcy could help to lower your debts and allow you to keep your home and personal property. Most importantly, it may give you a second chance and the opportunity for a new financial life.

Proof That a Brighter Future Is Possible

Discover how real people overcame debt and reclaimed their future with Sarah’s help.

At The Law Office of Sarah Sypher LLC, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

“I highly recommend Sarah Sypher and her entire staff for full support.”
I have used Sarah Sypher two times and she is wonderful. The staff there is very nice and explains things in detail. I highly recommend Sarah Sypher and her entire staff for full support.

Maureen P.
“Sarah and her staff were extremely supportive and gave us the advice we needed.”
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Sarah and her staff were extremely supportive and gave us the advice we needed.
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Suzanne H.
“I would recommend Sarah without hesitation.”
Sarah and her team were excellent from the time I made to appointment. She was very comforting at a tough time in my life. She helped set my mind at ease, as bankruptcy was my last resort after several months of difficulty. She explained the process of bankruptcy to me and made sure I understood everything that was about to happen. She was very prompt at getting back to me whenever I had questions, as was Cody. I hope none has to go through bankruptcy, but if you do, I would recommend Sarah without hesitation.

KT
“Would recommend to anyone!”
Sarah and her team were compassionate and capable. Would recommend to anyone!

Lennae R.
“Sarah made one of the most stressful times of my life a little less.”
Sarah made one of the most stressful times of my life a little less. She answered any and all questions I had, and made me feel completely at ease about my decision. She assured me that there was light at the end of the tunnel. Thank you Sarah!!!

CM
“I would highly recommend hiring this firm.”
Sarah handled my legal needs quickly and efficiently. I was in a stressful situation and they made it so easy. She and Cody are a great team and I would highly recommend hiring this firm.

Renee D.
“Great people”
Great people who are knowledgeable and extremely helpful.

Cody G.
“Caring and compassionate during a difficult time.”
Sarah and her staff were great explained everything that we would be going through. Always prompt in returning calls and emails. Caring and compassionate during a difficult time. Would highly recommend her.

Connie B.

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Is Chapter 13 Bankruptcy Right for You?

When facing overwhelming debt, Chapter 13 bankruptcy can be a powerful tool to help you regain control of your finances. It offers a structured repayment plan that allows you to keep your assets while making affordable monthly payments to your creditors.

Here are some key considerations to determine if Chapter 13 bankruptcy is the right solution for you:

Protect Your Assets: Unlike Chapter 7 bankruptcy, Chapter 13 allows you to keep your home, car, and other valuable assets while still getting relief from your debts.
Stop Foreclosure and Repossession: If you're facing foreclosure or repossession, Chapter 13 can halt the process and allow you to catch up on missed payments.
Manageable Repayment Plan: With Chapter 13, you'll work with our experienced Overland Park bankruptcy attorney to create a repayment plan that fits your budget. This plan typically lasts three to five years, giving you the time you need to get back on your feet.
Debt Discharge: At the end of your repayment plan, any remaining eligible debts will be discharged, providing you with a fresh start and a chance to rebuild your credit.

At Law Office of Sarah Sypher LLC, we understand that every financial situation is unique. Our dedicated team will evaluate your circumstances and guide you through the Chapter 13 bankruptcy process, ensuring you make informed decisions that are in your best interest.

Contact The Law Office of Sarah Sypher LLC today to schedule a consultation and take the first step towards a brighter financial future.

Do not hesitate to call Sarah at (913) 372-3556 for more information from a Chapter 13 bankruptcy lawyer near you.

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What Makes the Law Office of Sarah Sypher LLC Different

Committed to Helping Our Clients
We guide clients through every step of the bankruptcy process with compassionate, expert support—helping them stop creditor actions like foreclosure, repossession, wage garnishment, and ultimately regain control of their financial lives.
Over 20 Years of Experience
With a practice rooted in consumer bankruptcy law since 2005, Sarah Sypher brings two decades of focused experience in delivering debt relief and helping clients keep the property they’ve worked hard to earn.
Personalized Service
You’ll work directly with Sarah Sypher throughout every phase of your case—with tailored guidance and free, confidential consultations designed to meet your unique situation, not a one-size-fits-all approach.