Chapter 13 Bankruptcy Lawyer
Chapter 13 folds what you owe into one affordable monthly payment, so you can stop foreclosure, keep your home, and keep your car. Our Chapter 13 bankruptcy lawyer makes it manageable and affordable across Philadelphia and South Jersey.
Catch up on your own terms
Chapter 13 folds what you owe into one court-approved monthly payment, so you can catch up over time while keeping the property that matters. No need to come to an office, and no judgment from us. We serve people across Greater Philadelphia and all of South Jersey.
What Chapter 13 does
- Catch up on mortgage arrears
- Stop foreclosure proceedings
- Roll your debts into one payment
- Stop repossession and catch up on car loans
What you keep
- Your home, by catching up on missed payments over the plan
- Your car, even if you have fallen behind
- Property a Chapter 7 might not protect
- Your co-signers, who are protected during the plan
The Chapter 13 Roadmap
A clear path to catching up and keeping what matters.
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Step 1 of 13
Free consultation
Phone or Zoom, zero obligation. We review your debts, income, and what you most want to protect.
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Step 2 of 13
Credit counseling
A quick, required online course before we can file. About an hour.
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Step 3 of 13
We gather your documents
Pay stubs, tax returns, and a list of what you own and owe. You dig them up, we do the rest.
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Step 4 of 13
We build your plan
One affordable monthly payment, shaped around your real budget, over 3 to 5 years.
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Step 5 of 13
We file
The moment we file, the automatic stay stops foreclosure, repossession, garnishment, and collection calls.
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Step 6 of 13
Your first payment
You start your monthly plan payment within 30 days of filing, even before it is approved.
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Step 7 of 13
Meeting of creditors
A short, routine video meeting with the trustee, often five minutes. We prep you for it.
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Step 8 of 13
The trustee reviews your plan
The Chapter 13 trustee checks your numbers and may ask for a small tweak or two.
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Step 9 of 13
Plan confirmation
The court approves your plan. Once it is confirmed, it is locked in and your creditors must follow it.
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Step 10 of 13
You make your payments
One payment a month to the trustee, who pays your creditors. Keep it up and you stay protected.
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Step 11 of 13
Debtor education course
One more quick online course, completed before your plan wraps up.
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Step 12 of 13
You finish the plan
After 3 to 5 years, you have caught up and met every obligation in the plan.
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Step 13 of 13
Discharge
The court wipes out any remaining qualifying debt. You are done, and you kept what matters.
We will help you get to a 720 credit score
It will not take long to rebuild your credit because we give you the tools to do it. 7 Steps to a 720 Credit Score is a free bonus course, included with your case, that can get you to a 720 credit score in under two years.
Follow the steps and you could be back to a great score in no time: qualifying for low-interest cards, saving thousands on car and home loans, and never again dreading a credit check from a landlord or employer.
Chapter 13 questions
Is Chapter 13 right for me?
It usually is if you are behind on a mortgage or car and want to keep them, or if your income is too high for Chapter 7. We will tell you honestly which chapter fits your situation in your free consultation.
Will I lose my house or car?
No. Keeping them is the whole point of Chapter 13. You catch up on 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.