Chapter 13 Bankruptcy
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In Chapter 13 bankruptcy, you pay off your debts through a repayment plan administered by the bankruptcy trustee. Some of your debts must be paid in full, others you pay at a discount (sometimes a steep discount). You get the protection of the bankruptcy court during your repayment period, which lasts either three or five years. Chapter 13 is often called “reorganization” bankruptcy.
For some high earners that don’t qualify for Chapter 7 relief, Chapter 13 bankruptcy is the only option. And Chapter 13 is often the best bankruptcy option for people who are behind in their mortgage and want to keep their home.
Learn About Chapter 13 Bankruptcy
Start here to get an overview of how Chapter 13 works.
When you file for Chapter 13 bankruptcy, you don't have to give up any of your property. But you must stay current on plan payments and secured debts.
Articles on whether you can file for Chapter 13.
The Chapter 13 Bankruptcy Repayment Plan
Click on this link to find articles on the Chapter 13 plan, how payments are calculated, and more.
Debts & Property in Chapter 13 Bankruptcy
Click here to learn what happens to your debts in Chapter 13. You'll find articles, Q&As, and more.
Find out what happens to your property in Chapter 13.
Can you keep your home? Pay back arrears? Strip off second or third mortgages? Find out here.
Articles on keeping your car, paying back arrears through your plan, and cramming down your car loan.
In Chapter 13 bankruptcy, you can continue with ongoing leases and contracts, or end them.
Chapter 13 Compared to Chapter 7
When is Chapter 13 Better than Chapter 7 for Personal Bankruptcy?
Despite the advantages of using Chapter 7, there are circumstances in which debtors are better off filing Chapter 13. This article discusses some common situations that might make Chapter 13 the better choice.
Despite the advantages of using Chapter 7, there are circumstances in which debtors are better off filing Chapter 13. This article discusses some common situations that might make Chapter 13 the better choice.
Too Much Income for Chapter 7: Is Chapter 13 Viable?
If your income exceeds the limit to file for chapter 7, your only option is to file for chapter 13 or find an alternative. It’s not as fast and simple as chapter 7 but chapter 13 offers lots of financial solutions.
If your income exceeds the limit to file for chapter 7, your only option is to file for chapter 13 or find an alternative. It’s not as fast and simple as chapter 7 but chapter 13 offers lots of financial solutions.
Get Professional Legal Help
If you're considering Chapter 13 bankruptcy, you may want to talk to a lawyer first.
Talk to a Local Bankruptcy Lawyer
If you want to reach out to some local bankruptcy attorneys, this form can help you quickly and easily.
If you want to reach out to some local bankruptcy attorneys, this form can help you quickly and easily.
Related Products
Ready to handle your own bankruptcy case? These books from Nolo will walk you through the process and legal issues involved step by step.
Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time
This comprehensive guide explains the Chapter 13 process, from start to finish.
This comprehensive guide explains the Chapter 13 process, from start to finish.
The New Bankruptcy: Will It Work for You?
Is bankruptcy the right solution for your overwhelming debts? Pick the best strategies for your situation with the information and practical suggestions in this book by best-selling author Stephen Elias.
Is bankruptcy the right solution for your overwhelming debts? Pick the best strategies for your situation with the information and practical suggestions in this book by best-selling author Stephen Elias.
Questions and Answers About Chapter 13 Bankruptcy