What we handle
Chapter 13: a plan to catch up and keep what's yours
Chapter 13 is a repayment plan the court approves. You make one monthly payment to a trustee for three to five years, and the trustee pays your creditors. While the plan runs, the mortgage company, the car lender and collectors have to follow it.
We build the plan around your actual budget, so the payment is one you can make.
With us, it includes
A plan drafted around your real budget
Every hearing on your plan
Changes if your income goes down
Our fee paid through the plan
Good to know
Why people choose it
Behind on the house
Spread missed mortgage payments over the plan instead of paying them all at once.
Behind on the car
Keep the car you need for work, sometimes at a lower payment or interest rate.
Income over the limit
If you earn too much for Chapter 7, Chapter 13 can still clear what's left at the end.
Questions about chapter 13 bankruptcy
What if I miss a payment?
Call us right away. The plan can often be changed if your hours are cut or you lose a job.
How much will my payment be?
It depends on your income, your necessary expenses and what you're catching up on. We work it out with you before filing.
Can I keep my retirement savings?
In most cases, yes. Retirement accounts are usually protected.
Ask what your plan would look like
Your first meeting is free, and you'll leave knowing your price.