Filing for Chapter 13

Chapter 13 is ideal for those individuals who have a regular source of income but cannot repay their debts. Chapter 13 allows for the reorganization of the debts and enables the debtors to pay off the debts over a period of time ( 3 or 5 years). This section explains the Chapter 13 bankruptcy including the eligibility criteria, process, discharge, difference between Chapter 7 and Chapter 13 and much more.

  • Overview: Chapter 13 : Learn about the eligibility requirements, how much of your income you must pay, the length of a repayment plan, and what happens if you fail to make a payment.
  • Who Can File? : This article offers explanations of important requirements for Chapter 13 eligibility, including debt limits, income requirements, tax issues, creditor requirements, and more.
  • Chapter 13 FAQ : Find answers to your questions about Chapter 13 eligibility, the automatic stay, repayment plans, the effect on student loan debt, and more.
  • How it Works : Learn about what steps to take and when to take them, including filing the bankruptcy petition, paying administrative fees, meeting with creditors, and attending a repayment plan hearing.
  • Chapter 13 vs. Chapter 7 : Learn about the main differences between the two forms of bankruptcy, including eligibility requirements, repayment vs. liquidation, and more.
  • State Homestead Laws : This section offers a collection of state laws dealing with homestead exemptions.
  • The Chapter 13 Debt Discharge

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