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Honest help with Chapter 13 Bankruptcy for people in and around Philadelphia. Meet entirely by phone or Zoom, or visit our Philadelphia office.
Free ConsultationNo obligation, just honest advice
Payment PlansFlexible, flat-fee options
100% VirtualMeet over Zoom, never leave homeWhen you’re behind on your mortgage or car in Philadelphia and you want to keep them, Chapter 13 is the tool that fits. It rolls your debt into one court-approved plan over three to five years, stops a foreclosure cold, and lets you catch up on what you’ve fallen behind on while protecting everything you own.
Who it’s for. Chapter 13 works if you’re behind on a house and want to save it, if your income is above the Chapter 7 limit, or if you have property you want to keep. You repay through the plan out of your income and come out the other side with a discharge.
How long, and how much. Plan length turns on how your income compares to the Pennsylvania median, three years under it, up to five over. The monthly payment is built from your actual budget and your arrears, not a creditor’s demand.
What it’s like. Your case is filed in the U.S. Bankruptcy Court for the Eastern District of Pennsylvania, where Mike practices regularly, and a standing Chapter 13 trustee administers your plan payments. There’s a short, currently-remote meeting of creditors. Mike has served on the court’s local bankruptcy rules committee and as consumer bankruptcy education chair for the district’s bankruptcy conference, and he stays on your case from start to finish.
Free first consultation by phone or Zoom, flat attorney fee, payment plans.
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A Chapter 13 Bankruptcy filed from our Philadelphia office goes through the U.S. Bankruptcy Court for the Eastern District of Pennsylvania (Philadelphia). Mike practices there regularly and stays with your case from the first call through discharge.
We help people across Philadelphia, Bucks, Chester, Delaware, and Montgomery County and throughout Pennsylvania.
In most cases, yes, if we file in time. The automatic stay stops the sale, and the plan lets you cure the arrears over three to five years. The sooner you call, the more room there is to act.
Often, yes. Chapter 13 doesn't have the same income cutoff, it's built around what you can pay from your budget. It's a common path for people whose income is above the Chapter 7 line but who still need relief.
Your case is filed in the Eastern District of Pennsylvania and a standing Chapter 13 trustee receives and distributes your plan payments. Mike designs the plan with you and handles the court process.
Free consultation over phone or Zoom. No obligation, just honest answers.
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