Chapter 13 Bankruptcy
Restructure what you owe into an affordable 3 to 5 year plan. Keep your home, keep your car, and stop foreclosure.
Catch up on your own terms
Chapter 13 folds what you owe into one court-approved monthly payment, so you can cure arrears over time while keeping the property that matters.
What Chapter 13 does
- Catch up on mortgage arrears
- Stop foreclosure proceedings
- Consolidate debt into one payment
- Stop repossession and catch up on car loans
What you keep
- Your home, by curing missed payments over the plan
- Your car, even if you have fallen behind
- Property above Chapter 7 exemption limits
- Co-signers, who are protected during the plan
How it works
Four steps from your first call to a fresh start. We do the heavy lifting at each one.
Free consultation
We review your debts, income, and what you want to protect, over phone or Zoom. No obligation.
Plan and prepare
We build an affordable 3 to 5 year repayment plan and prepare your petition together.
We file
Filing triggers the automatic stay, which stops foreclosure, repossession, and collection right away.
Complete your plan
You make one monthly payment, and remaining qualifying debt is discharged at the end.
Chapter 13 questions
Will I lose my house or car?
No. Keeping them is the whole point of Chapter 13. You cure the missed payments through the plan and keep your home and car as long as you keep up with it.
How long does Chapter 13 take?
The repayment plan runs 3 to 5 years. The relief starts immediately, though, since the automatic stay stops collection the moment we file.
Will it stop foreclosure?
Yes. Filing triggers the automatic stay, which halts foreclosure and gives you time to catch up on what you owe through the plan.
How much will my plan payment be?
It is based on your income, your expenses, and what you owe. We will discuss this in your free consultation before anything is filed.