Chapter 13 Bankruptcy

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy is the “reorganization”, or “debt adjustment”, bankruptcy and is available to you if you are not eligible to file for Chapter 7 relief. Chapter 13 allows you to keep property and pay debts over time, ususally 3 to 5 years. It can:

  • Save your home from foreclosure
  • Stop foreclosure proceedings for a period of 3 to 5 years
  • Help you catch up on your mortgage by financing the past-due payments over the 3 to 5 year period
  • Allow you to reduce your unsecured debts so that you owe a fraction of the original amounts
  • Allow you to even finance a portion of your attorney fee for fililng
  • Allow you t finance a portion of the court’s filing fee

Chapter 13 eligibility requirements are easier to meet than the Chapter 7 requirements.

You must obtain credit counseling within 180 days before filing the case. We will help.

​Filing Fee: $310.00 (The court may change this amount from time to time.)

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