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.
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.
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C.K.
Sarah Sypher and her team did exceptional work on our case. They were highly professional and always got back to us in a timely manner. Filing for bankruptcy was a scary experience, but Sarah made the process smooth and manageable. She took the time to explain our options and provided the knowledge we needed to choose what best fit our situation. I would highly recommend her to anyone needing to file. -
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!!!Carey M.
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Sarah helped make a difficult situation easier. She answered all of our questions and made the process a lot smoother than we could have hoped for. She put our minds at ease with the entire process. We highly recommend her and her team.Stephen W.
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The law offices of Sarah Sypher are wonderful! I used Sarah to file for bankruptcy chapter 7 in 2025… This is the second time that I’ve used Sarah for bankruptcy. Medical bills will absolutely destroy a person. She is so kind and understanding. She has been in practice for decades. She’s extremely extremely knowledgeable. And everything is explained to you, in my Situation, I was able to do everything with phone calls, and Zoom meetings. I did not have to leave the house for any of it. Also, I want to give a big shout out to Marion and Cody!!❤️❤️ They were so helpful by helping me learn how to use my iPad to get documents sent to them and they are always open and welcome any questions that I had. And got back to me very quickly. There’s so much more that I could say. But it will not go wrong by choosing the law office offices of Sarah Sypher….L.B.
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Sarah was really helpful and explain things to my husband and I. I would recommend Sarah to everyone. She makes it painless! Thank you!Debbie J.
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I was so scared to go through this process but Sarah and Cody made this so easy for me, I can’t thank them enough may God bless the both of you!Gary S.
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Sarah did all the work for me during this stressful time. She even negotiated with some of the creditors that weren’t covered with my bankruptcy and got my payments way lower than they originally would’ve been. She’s one of the best!A.M.
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Sarah Sypher is very informative, thorough, efficient and nice. She has helped me through a tough situation I never thought I would be in and has made it very comforting and smooth. I recommend her to anyone.Tami W.
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.
