Today I helped a young lady from Warren, MI file for Chapter 13 Bankruptcy. Her car had recently been repossessed for delinquent payments. I was able to recover her vehicle and work out a payment that was substantially lower than her prior car note since I could reduce the interest rate on the vehicle to 5% and extend the time to pay the vehicle off over 60 months. In addition I was able to retain relief from her other creditors which I was able to reduce to approximately 10% of the amount she owed.