Filing for Chapter 13 bankruptcy stops creditors, lawsuits, wage garnishments, bank levies, and other collection actions immediately, giving you time to restructure your debts. Yes, you’ll pay into a three- or five-year repayment plan in Chapter 13. But your money will go toward the debts that matter most—like your mortgage, car loan, support obligations, and taxes. Remaining debts, such as credit card, medical, and utility bills, usually receive only a fraction of what you owe. Also, Chapter 13 offers unique debt solutions not available in Chapter 7, sometimes making Chapter 13 the better choice even for those who qualify for Chapter 7. For instance, only in Chapter 13 can filers do the following:
- keep all property
- avoid foreclosure and vehicle repossession
- pay the fair market value for a car, and
- in some cases, eliminate a junior mortgage loan.
This plain-English Chapter 13 guide covers the Chapter 13 process from start to finish, explaining how to determine if you qualify for Chapter 13, what’s required to catch up on your mortgage and keep your home, and how to rebuild your credit after bankruptcy. You’ll also learn more about the following:
- how much you’ll pay in a repayment plan
- which debts get erased when the case ends, and
- how to find and hire the right lawyer
This book title, Chapter 13 Bankruptcy (Keep Your Property & Repay Debts Over Time) - 9781413331783, ISBN: 9781413331783, by Cara O'Neill, published by NOLO (June 25, 2024) is available in paperback. Our minimum order quantity is 25 copies. All standard bulk book orders ship FREE in the continental USA and delivered in 4-10 business days.
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