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Chapter 13 Bankruptcy

What Is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is an important option in dealing with past due debts when you have steady income that is above the income limits for a Chapter 7. Many of those who do not qualify for Chapter 7 bankruptcy due to income levels can qualify for Chapter 13 bankruptcy to relieve debt and collection activities. Also, if you have filed a Chapter 7 bankruptcy within the last 8 years, you are not eligible for a discharge in a Chapter 7, but Chapter 13 is still an available option for a partial discharge.

How Does It Work?

A Chapter 13 includes a repayment plan towards your outstanding debts, allowing you to keep assets that you already own even if you are behind on payments. Chapter 13 bankruptcy is structured to bring you back to current on assets which you own to stop collections activities such as repossession or foreclosure trustee sales. Assets such as homes and vehicles can be saved by using your rights in a Chapter 13 plan. It is also possible to completely remove 2nd mortgages and Home Equity Line of Credit loans from your home within a Chapter 13. Our attorneys can provide you with detailed information on any of the above scenarios during our free Chapter 13 consultations.

How Can We Help?

Bankruptcy Law Professionals’ attorneys are here to assess your situation and make sure you are choosing the right bankruptcy option for your situation. If you are interested in exploring Chapter 13 options, our attorneys will review Chapter 13 bankruptcy with you in a free consultation to make sure it is the right solution for you. The attorneys at Bankruptcy Law Professionals are experts with over a decade of experience in Chapter 13 to make sure your case is handled properly in your local court system.

FOR A FREE AND CONFIDENTIAL CONSULTATION WITH AN ATTORNEY, CALL 855.BK.PROS1 OR 855-257-7671