Thank you for your interest in learning more about our Chapter 13 Debt Consolidation PLAN.

Are you having problems paying your Bills?  If you are, you're not alone.  Did you know that 51% of all bankruptcies are the result of a job loss and 46% are as a result of medical reasons and 19% because of a family break-up?  Bad things happen to good people like yourself.  You deserve a second chance, Get a Financial Fresh Start™ today.

The Vasquez Law Firm is a Debt Relief agency.  We proudly help People and Small Businesses file for bankruptcy relief under the bankruptcy code.  This is why we would like for you to learn more about options to Get a Financial Fresh Start™ and Eliminate your Debt once and for all.

Here you will learn how we can get you immediate protection and relief from harassing creditors, ensure your PEACE OF MIND and allow you to Get a Financial Fresh Start.™  You will learn how to Significantly Lower your monthly Bills, how to gain control of your Bills and how to Eliminate your Bills all without any pressure from your Bill collectors or your creditors.   Finally you will learn how the new bankruptcy law has helped tens of thousands of San Antonians and our clients alike achieve Financial Freedom all at no cost, risk or obligation to you.

We have two (2) different PLANs available to bring you Financial Freedom.  However here we will focus mostly on the Chapter 13 Debt Consolidation PLAN.  (learn more about our Chapter 7 PLAN).

The Chapter 13 Debt Consolidation PLAN is a federal law that has helped tens of thousands of other San Antonioians and our clients alike Consolidate all their Bills into One (1) Significantly Lower, Interest-Free monthly payment they can afford, and in the process helped them Eliminate all their Debt and Get a Financial Fresh Start.™

The Chapter 13 Debt Consolidation PLAN is a special payment PLAN under the protection of the United States bankruptcy code.  It is the PLAN we use in our Debt Consolidation program.  Because the PLAN is sponsored by the federal government, in almost all cases it stops creditor harassment, credit card lawsuits, car repossessions, home foreclosures and helps you Eliminate your Debt.

Imagine living without threatening calls from Bill collectors at home or at work.  You will no longer be afraid to answer the phone.  No more worrying that your house will be foreclosed or your car repossessed.  No more making the minimum payment on your credit cards just to see it all go to pay - only the interest.  These are but a few of the many important benefits of the Chapter 13 Debt Consolidation PLAN.

Credit card interest is really hurting many People and Small Businesses.  Yet most people do not know how bad it really is.  For example, if you have a typical credit card with a $2,500.00 balance at 21% interest and you only make minimum monthly payments (usually 2% of the balance or $20.00 whichever is greater), because of the interest rate, it will take you four-hundred eighty eight (488) months or forty (40) years and eight (8) months to pay off that credit card, and this is assuming no additional charges are made.  (see http://www.bankrate.com/brm/calc/minpayment.asp).  Further, if you get behind on your payments or go over the credit limit, it will take you even longer.  Stop for a moment and think about that.  Over forty (40) years to pay off a credit card with a small balance of $2,500.00  Unbelievable, this is longer than it takes to buy a house.  It is outrageous, but it is absolutely true.

However, the good news is that this Chapter 13 Debt Consolidation PLAN will stop all of your balances and interest from increasing and will allow you to Get Out of Debt in a reasonable amount of time.  How reasonable?  Most Chapter 13 Debt Consolidation PLANs run between three (3) to five (5) years then whatever balance is left over is legally wiped out or forgiven.  The entire balance becomes zero (0) on all your Bills and legally wiped out forever.  This means that those same creditors cannot come back later and try to collect what was left, either from you, your children, friends and family.

Can you imagine how great it would be to Get Out of Debt in three (3) to five (5) years or less?  There are many other benefits to a Chapter 13 Debt Consolidation PLAN.  Keep in mind that because of the facts, every individual situation is different but in most cases, a Chapter 13 PLAN allows you to Consolidate all of your Bills into One (1) Significantly Lower, Interest-Free monthly payment that you can afford.  This C13-PLAN™ will stop all pending lawsuits or prevent them from being filed against you, including common credit card lawsuits.  Because the Chapter 13 is a payment PLAN you WILL NOT lose any of your property or personal belongings.  Nothing can be taken away from you.

Well by now, you may be wondering specifically how this C13-PLAN™ works.  Here at The Vasquez Law Firm, we have adopted a very simple procedure to help you.  You call our office at (210) 229-2067 and set up your Free Initial Consultation. At this Free Initial, No Obligation - Confidential Consultation you bring all of your Bills and at least two (2) most recent pay stubs or other proof of income such as retirement or social security income.  (see Your First Appointment).  Then your attorney will sit down with you in private and work out a PLAN that is best for you and your family.

Then if you like the C13-PLAN™, we will prepare the paperwork and give you a different appointment for you to review and sign the C13-PLAN.™  Then we file the C13-PLAN™ with the court and at that point you are under the protection of the federal Chapter 13 Debt Consolidation PLAN.  From this point on, creditors will no longer be allowed to call or harass you anymore either at work, with neighbors or at home.  Creditors will no longer be allowed to send you any further collection letters.  It’s that simple, period.  We do all of the work for you.  In fact, most of our clients never have to go to court or even see a judge.  This can all be done very quickly, an important thing to remember if you are facing a home foreclosure or a vehicle repossession.

There are several important things we would like for you to know about our law office and our process.  First of all, the Free Initial Consultation that you have with our office is always Confidential.  We don’t tell anyone.  Second, the meeting is at no cost or obligation to you.  That’s right!  There is no charge or obligation to you whatsoever.  It cost you nothing to find out if the C13-PLAN™ will work for you.  In fact, it costs nothing to find out if the C13-PLAN™ will not work for you.  In other words, if you decide that the C13-PLAN™ is not for you for any reason, then there is absolutely no cost or obligation to you.  We simply offer services of bringing information to People and Small Businesses to allow them to make informed decisions on options to Eliminate Debt and Get a Financial Fresh Start.™

Finally, read our personal guarantee.  The Vasquez Law Firm personally guarantees that no one from our office will ever pressure you in anyway, we guarantee it.  We simply offer services of bringing information to People and Small Businesses to allow them to make informed decisions on options to Eliminate Debt and Get a Financial Fresh Start.™  (see Our Ten Point Promise).

We limit our law practice exclusively to representing individual Debtors and Small Businesses Eliminate their Debt.  This helps us provide and retain a qualified and professional staff for all our clients.  We invest significant resources in training our staff in order to bring you the most knowledgeable and helpful staff possible.  We are on your side.  Our commitment is to help you and your family.  We promise to always respect you as we understand the stress of trying to pay your Bills.  (see Our Ten Point Promise).

Well, if you like what you have read so far about our Chapter 13 Debt Consolidation PLAN but are worried about attorney fees, then we have great news for you.  In most cases, we take all the attorney fees and put them into the Chapter 13 Debt Consolidation PLAN to be paid along with the Bills you choose to continue to pay, like house and car payments.   This way, you will not have to pay any of the attorney fees up front.  In fact, because attorney fees are blended in with the Bills you continue to pay, it doesn’t even feel like you're paying any fees at all.  This is because attorney fees are paid from what otherwise would go to pay the Bills you actually Eliminate such as credit card Bills.  In other words, federal law allows you to pay less to your creditors under the C13-PLAN™ and with the savings allow you to pay your attorney fees.  At your Free Initial, No Obligation - Confidential Consultation, your attorney will tell you exactly what our fee is and we will give it to you in writing.

Are you wondering how much a typical C13-PLAN™ payment is, or how much you have to pay each month into the Chapter 13 Debt Consolidation PLAN?  If you are, we are pleased to tell you that we can usually and often cut your combined monthly Bill payments in half or EVEN MORE in most cases.  By the way, if there are certain Bills you want to continue paying such as your house or your car, we can set this up for you and you only legally Eliminate all your other Bills like your credit card, medical Bills and personal loans.

The payment amount depends on what type of Debt you have and how much of it you have.  For example, if you have a car payment and you would like to keep it, we would factor that payment in the C13-PLAN.™  However if you would not want to keep it, for example because the car is no longer reliable, then we would be able to Eliminate that Debt payment from your C13-PLAN™ and your PLAN payment would be much less.

Can you imagine the day when you don’t have to deal with high pressure phone calls from angry Bill collectors, the day you can say you are completely Debt-Free?  Can you imagine not worrying about your Bills and finances and finally getting a good night’s sleep?  We can help you get to that point.  To find out if our C13-PLAN™ is right for you, just ask yourself these four (4) questions.

Question number one (1).

1. Do I want to combine all of my Bills into One (1) Significantly Lower, Interest-Free monthly payment that I can afford? Answer yes or no

Question number two (2).

1. Do I want to get off the 40 year credit card trap and Get Out of Debt in a reasonable amount of time?  Answer yes or no

Question number three (3).

1. If my monthly Bill payments were cut in half or more, would this give me and my family a more reasonable budget to live on?  Answer yes or no

Question number four (4).

1. Do I want to stop the possibility that my house will be foreclosed or my car repossessed?  Answer yes or no

If you have answered YES to any of these questions, then you owe it to yourself to take a serious and closer look at our Chapter 13 Debt Consolidation PLAN.  It could be the very solution that you and your family need.  Best of all, there is no cost or obligation to find out.  It is very easy to get started.  Just call our office at (210) 229-2067.  That is 229-2067 and set up your Free Initial, No Obligation - Confidential Consultation.  We’ll take it from there.  We will show you exactly how the PLAN works and let you make an informed decision.

By the way, you may have heard about the new bankruptcy law that took effect October 17, 2005.  Many of our clients have told us that Bill collectors have told them that bankruptcy is no longer available, that it doesn't exist or that bankruptcy is still available but that if our clients file, they will lose all their property.  This is completely and absolutely NOT TRUE at all.  These Bill collectors are simply trying to intimidate you and are only trying to deny you from gaining your Financial Freedom. 

The biggest change with the new bankruptcy law is that it became more difficult for wealthier people to file under the Chapter 7 PLAN.  However, the new law WILL NOT and HAS NOT affected the vast majority of San Antonians and our clients alike.  Debt Elimination is still very much AVAILABLE and ACHIEVEABLE either with a Chapter 7 PLAN or with the Chapter 13 Debt Consolidation PLAN. 

If you are experiencing Financial Difficulties, then call us today at (210) 229-2067 and set up your Free Initial, No Obligation - Confidential Consultation with your attorney.  This C13-PLAN™ is the same solution that has helped tens of thousands of other San Antonians Eliminate their Debt and Get a Financial Fresh Start.™

We Congratulate you for taking the First Step toward achieving your Financial Freedom.  We thank you for taking time out of your busy schedule to learn more about our Chapter 13 Debt Consolidation PLAN.  Call us Today at (210) 229-2067.  We promise to do our best to work out a PLAN that is right for you and your family.  We can help bring you PEACE OF MIND.  Thank you and May God Bless You.

Our principal office is conveniently located downtown at 719 S. Flores, Ste. 100 San Antonio, Tx. 78204.  We have plenty of Free off-street reserved parking for all our Guests and our Clients and we are ADA compliant having handicap accessibility.  Also for your convenience we have Early, Late and Week-End hours available by appointment.

The Procedure (i.e. Process) of how the C13-PLAN™ works; Seven (7) Easy Steps.

"at the end of every Seventh (7) year you are to Cancel the Debt of those who owe you money." Deuteronomy 15:1 

Step One (1):  Call to set up your Free Initial, No Obligation - Confidential Consultation with your Attorney.

Call our office direct at (210) 229-2067 and set up your Free Initial, No Obligation - Confidential Consultation with your attorney.  At your scheduled initial meeting, your attorney will discuss with you the details of your proposed C13-PLAN.™  If you like the C13-PLAN™, then our office will give you a different appointment to review and sign the C13-PLAN.™

Step Two (2):  Easy Phone/Internet Credit Counseling and Signing of the C13-PLAN.™

At your second appointment at our office, you and your attorney will review all the information and make any changes needed.  You and your spouse, if any, will sign the C13-PLAN.™  At this point, if you haven't already done so you will need to do an easy phone/internet credit counseling session that is required before we can file your C13-PLAN.™  Once the easy phone/internet credit counseling is done, our office will receive a certificate acknowledging that you have completed the easy phone/internet credit counseling.  At this point we are ready to file your C13-PLAN™ with the court.  The date we choose to file your C13-PLAN™ will be discussed with your attorney.  If it is decided for some reason that we will not file the C13-PLAN™ until some later time in the month, you will not have to return to our office.  We will file the signed C13-PLAN™ when that mutually agreed date comes.  Once your C13-PLAN™ is filed, the court will issue an automatic stay immediately (an order, stopping all your creditors from taking any further collection efforts or legal action against you, including foreclosure or vehicle repossession).  Then we send a copy notice to you, the court, the trustee and all your creditors so they can immediately stop harassing you.

Step Three (3):  Easy Financial Management Seminar.

Soon after filing the C13-PLAN™, the trustee will then set a date to conduct an easy financial management seminar and a meeting of creditors or 341.  These meetings usually take place about one (1) month after we file your case.  This easy financial management seminar is required but is provided to you free of charge by the C13-PLAN™ trustee.  You choose either a Thursday afternoon or Saturday morning to conclude the roughly three (3) hour seminar.  At this meeting, you will discuss the process of a C13-PLAN™ case administration as well as easy personal money management steps that you can implement in order to get your financial health back on tract.  Like the easy phone/internet credit counseling, you will be given a certificate that will be delivered to our office for filing and safe keeping.

Step Four (4):  Attend the Meeting of Creditors or 341 with your Attorney.

You are also to attend a required but INFORMAL meeting called a meeting of creditors or a 341 with your attorney.  The name is deceiving because in practice most often (about 99% of the time) no creditors show up so the meeting is usually just between you, your attorney and the trustee.  The trustee will ask you a few questions to verify the information you put in your C13-PLAN.™  The meeting, once you are called is very fast, usually about ten (10) minutes.  However for personal and work purposes, it is adviced you take at least three (3) hours as they sometimes run behind schedule. 

Step Five (5):  Your Attorney Attends the Confirmation Hearing.

After the 341 meeting, a date is set for a hearing called the confirmation hearing.  At this hearing, the trustee and your attorney will determine if all the needed information is included in your C13-PLAN™ and then the judge will approve or allow the C13-PLAN™ to go forward otherwise known as confirming your C13-PLAN.™  Your presence at the confirmation hearing is usually not required (only about 1% of our clients ever have to attend).  Our office will notify you if indeed you would need to attend this hearing with your attorney.

Step Six (6):  Continue to Provide your Significantly Lower, Interest-Free Monthly Payment to the Trustee.

At this point, simply continue to provide your Significantly Lower, Interest-Free monthly payment to the trustee.  While you continue to pay your Significantly Lower, Interest-Free monthly payment - you continue to enjoy the automatic stay (i.e. protection from creditor harassment) since the C13-PLAN™ continues under the supervision and protection of the bankruptcy court.

Step Seven (7):  Discharge Order, Referrals and Recommendations.

Once you finish your C13-PLAN™ (i.e complete your agreed payments), the federal court will issue an order called a discharge.  This discharge order is very important since it will protect you and all your family and children from creditors ever seeking to collect any balance that was legally wiped out or forgiven as a result of your C13-PLAN™ filing.  Our office will send you a copy of your discharge order for your secured safe-keeping.  At this point, CONGRATULATIONS are in order since you have completely Eliminated your Debt and have achieved Financial Freedom.

If you liked our services and treatment toward you and your family, we respectfully ask that you refer and recommend us to ALL your friends and family who may also need the benefit of our DEBT RELIEF services.  Tell them to call our Free twenty-four (24) hour automated phone line at (210) C13-PLAN™ (213-7526) to learn more on how they too, may Eliminate their Debt and Get a Financial Fresh Start.™

Remember we are always here at your service.  THANK YOU for allowing us, The Vasquez Law Firm, to serve ALL your DEBT RELIEF needs and May God Bless You.

Respectfully, Ruben E. Vasquez, Esq., for the Firm

How do I get Started?

It is very easy to get started. Call our office direct at (210) 229-2067 and set up your Free Initial, No Obligation - Confidential Consultation with your attorney. Then we'll take it from there. Your attorney will sit down with you in private and show you exactly how the PLAN works in order to allow you to make an informed decision.  We promise to help you find a PLAN that is best for you and your family.  (see Our Ten Point Promise).  THANK YOU for allowing The Vasquez Law Firm to serve ALL your DEBT RELIEF needs.

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