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Chapter 13

Bankruptcy Chapter 13 Debt

Chapter 13 bankruptcy, also known as reorganization bankruptcy, can help you pay off debts over a time period between three and five years while keeping your property.  Similar to Chapter 7 bankruptcy, Chapter 13 bankruptcy is a legal process.  Chapter 13 is applicable for individuals who have regular income and who can afford to pay back some of their debts.

Before filing for Chapter 13 bankruptcy for your credit card debt, you need to attend Consumer Credit Counseling Services at your own expense.  Once you file for Chapter 13 bankruptcy you'll need to follow a court-approved repayment plan. Certain debts (such as child support, alimony and some taxes) may need to be paid in full.  Repayment for the remaining debts will be dependent on your disposable income and may not be required to be paid in full. This will be outlined in your repayment plan. Upon completion of the repayment plan, any remaining debts will be discharged.

It is important to remember that if you are considering bankruptcy, Chapter 13 is not an easy, quick fix. A Chapter 13 will remain on your credit report for seven years and will need to be disclosed when applying for mortgages, car loans and other forms of credit.

Don't File for Chapter 13 Bankruptcy. Let Us Settle Your Debts Instead.

Avoid personal bankruptcy and learn more about our debt settlement services. Request your FREE consultation by filling out our form or call 1 (888) DEBT – 530 (332-8530).  Don't wait.  Contact us now to find out how our consumer debt relief programs can help you regain control of your financial future.

Debts We Can Settle
  • Credit cards
  • Unsecured loans, personal loans, or lines of credit
  • Medical bills
  • Collections or repossessions
  • Business Debts

Debts We Can't Settle
  • Lawsuits
  • IRS debt or back taxes
  • Utility bills
  • Auto loans, government loans, or student loans
  • Mortgages or home loans
  • Other secured debts