Chapter 13 Bankruptcy

A repayment plan is the alternate name to a Chapter 13 bankruptcy because debtors pay some or all of their unsecured debts (interest free) over a 3-5 year plan. Your payment is based on what you can afford to pay (income minus expenses).

There are a few specific eligibility requirements for filing Chapter 13. Generally, a debtor must have the ability to make a payment on a bankruptcy plan and your debt may not exceed:

$1,149,425 in secured debt
or $383,175 in unsecured debt

CHAPTER 13 PROCESS & FEES

Step 1: Let's Talk!
We get to know you and it's the start to getting your life back! (30-60 min. meeting)
FREE, no obligation
Video, phone or in person meeting

Step 2: Review & Sign Papers
A Two-hour meeting
No worksheets
We pull your credit report for you

Step 3: 341 Meeting
This takes place about six weeks after filing
Less than 30 minutes
Verify information on schedule is correct

Step 4: Confirmation Hearing
Usually client's appearance is not required
Court approves repayment plan

Step 5: Discharge

After payments are complete you receive your discharge