Metropolitan Kansas City Area Chapter 13 Bankruptcy Lawyer
Last updated on March 13, 2026
Chapter 13 bankruptcy allows you to reorganize your debts while keeping your most important assets. At the Wehage-Zickwolf Law Firm, LLC, we are here to work with you through this often-intimidating life transition. Our team draws from real-world experience to develop practical solutions to debt discharge.
Our Chapter 13 bankruptcy attorney in Harrisonville, Annie Wehage-Zickwolf, has spent more than 25 years helping clients across Missouri achieve financial stability. As a former health care executive, she has unique insight into how medical bills can impact your family’s lifestyle. She uses this knowledge as she advocates for an affordable repayment plan that sets you on the right track.
Understanding The Chapter 13 Bankruptcy Process
In Chapter 13 bankruptcy, you sit down with a court-appointed trustee to develop a repayment plan that makes your debt more manageable. This path is best for individuals who have a steady income but have fallen behind on secured debts such as mortgages or car loans.
One of the most powerful features of Chapter 13 is the ability to stop foreclosure. Once your bankruptcy lawyer files your petition, an automatic stay prevents creditors from continuing with a foreclosure or repossession. To meet Chapter 13 eligibility requirements, you need to have a source of income to support a Chapter 13 repayment plan.
Do I Have To Repay All Of My Debts In Chapter 13?
You have to pay priority debts such as taxes and child support in full. However, you may only have to repay a percentage of credit card or medical bills. At the end of three to five years, the court will discharge your remaining unsecured debt.
What If My Income Changes During The Repayment Plan?
If your income decreases due to a job change or medical issue, you can ask the court to make your payments lower. If your income increases significantly, you must report this to the trustee. The court might make your payments higher.
Take Control With The Help Of A Missouri Bankruptcy Lawyer
Are you interested in making an affordable repayment plan, then getting your debts discharged? Annie Wehage-Zickwolf will help you evaluate your options and make the right choices in Chapter 13 bankruptcy proceedings. To request a consultation, please call us at 816-368-1543 or send us an email today.
Wehage-Zickwolf Law Firm, LLC is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.