Chapter 13 bankruptcy lets you keep your assets while repaying debts over time. If you have regular income but need debt relief, this may be your path.
Expert information to help you understand your rights and options
Chapter 13 bankruptcy lets you catch up on mortgage and car payments through a 3-5 year repayment plan while keeping your property. Learn who qualifies, how payment plans work, which debts must be paid in full, and differences from Chapter 7.
Chapter 13 can stop foreclosure immediately and let you catch up on missed mortgage payments over 3-5 years while keeping your home. Learn how the automatic stay works, curing mortgage arrears through your plan, and stripping junior liens in some cases.
Chapter 7 offers quick debt elimination while Chapter 13 provides structured repayment with asset protection. Compare eligibility requirements, timeline differences, impact on property, and which chapter works better for your specific debts and financial goals.
Your Chapter 13 plan payment depends on your disposable income, debt types, and plan length. Understand how trustees calculate payments, priority debts that must be paid 100%, what happens to unsecured creditors, and how to modify plans if circumstances change.