Chapter 13

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Chapter 13

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Here are some situations when we can help you by using chapter 13 for you. Please look at them to determine whether any of them apply to you. If they do, call us, and we will be happy to discuss them with you at no fee.

  • Your income is too high to qualify to file a Chapter 7 bankruptcy.
  • You are behind in your house payments and you want to keep your house. We can tell you how you can get caught up in a way that your income will allow.
  • You are behind in your car payments and you want to keep your car. We can tell you how you can get caught up by making affordable payments.
  • You owe money to a former spouse other than child support or spousal support and you cannot pay it. We can tell you whether you can wipe out that debt.
  • You filed a Chapter 7 bankruptcy less than eight years ago and you need to file bankruptcy now.
  • You filed a Chapter 13 bankruptcy less than six years ago and you need to file bankruptcy now.
  • There is a judgment lien or some other type of lien on your house and you would like to have it removed. We can tell you whether it will be possible to remove it in a chapter 13.
  • There is a second mortgage on your house that, when added to your first mortgage, exceeds the value of your house. We can tell you whether it will be possible to remove that second mortgage.
  • You bought a motor vehicle over 2.5 years ago, you owe a great deal more on it than what it is worth, and you would like to have the loan amount reduced. We can tell you how much you’ll save by filing a chapter 13.
  • You owe money on taxes, and want to force the government to accept payments from you over a period of 3 to 5 years to pay it off.
  • You have property that you will lose if you file a Chapter 7 bankruptcy and you want to keep it.
  • You have a business that you don’t want to shut down but you need to file bankruptcy.
  • You owe court fines or fees and you want to have time to pay them off.
 
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