Filing for Chapter 13 Bankruptcy

Chapter 13 Bankruptcy: A Comprehensive Guide for 2025

Chapter 13 works well for higher-income filers who don't qualify for Chapter 7 and can afford to repay some debt. However, all filers must use Chapter 13 to stop foreclosure, keep a house, or prevent a vehicle repossession.

Chapter 13 Rules: No Means Test Required

Although the Chapter 7 means test doesn't apply in Chapter 13, you still must meet Chapter 13 qualification requirements and prove you earn enough to pay the debts required by the Chapter 13 plan.

The Debtor Education Course Requirement in Bankruptcy

Before receiving a Chapter 7 or Chapter 13 discharge, filers must complete a personal financial management course that teaches money and credit management skills.

Documents Needed For The Meeting of Creditors

Learn about the documents you should bring to your 341 hearing, what you'll turn over before, and the documents you might be asked to provide the trustee afterward.

The Chapter 13 Bankruptcy Confirmation Hearing

If you file for Chapter 13 bankruptcy, the court will hold a confirmation hearing at which the court decides whether to approve your proposed repayment plan. Once confirmed, your creditors must accept your payments to satisfy their claims.

How Long Will Chapter 13 Bankruptcy Take?

A Chapter 13 case lasts between three and five years, depending on the length of your repayment plan. The plan payment itself can't last longer than five years. Learn more.

Appealing the Dismissal of a Chapter 13 Bankruptcy

The bankruptcy court can dismiss a Chapter 13 case for many reasons, and sometimes, you can file a new bankruptcy right away. But sometimes, it can be in your best interest to appeal the dismissal order to a higher court for further review.

Can I Refile If My Chapter 13 is Dismissed for Non-Payment?

You can usually refile a Chapter 13 petition, but not always. Also, expect to overcome new hurdles. For instance, you could lose the automatic stay protection that stops creditor collections.

Chapter 11 Bankruptcy vs Chapter 13 Bankruptcy

Both Chapter 11 and Chapter 13 bankruptcy are reorganization chapters that require debt repayment over time. While Chapter 11 bankruptcy is primarily filed by businesses, it's also a choice for individuals who don't qualify for Chapter 13.

Is Bankruptcy a Good Option for Struggling Small Businesses

Each bankruptcy chapter offers unique benefits, and understanding these dynamics will help you choose the best solution for your small business needs. Or, you might find the better choice is filing an individual bankruptcy. Learn why.

Chapter 13 Bankruptcy Payments: What to Expect on a Low Income

When your gross income is low enough to qualify you for Chapter 7, the amount you pay in Chapter 13 bankruptcy plan payments will depend on your disposable income. Learn more about how much low-income filers must pay.

What Happens if I File a Lawsuit in the Middle of My Chapter 13 Case?

Learn why you must disclose a lawsuit filing to the court and the bankruptcy trustee and why you might need to pay more into your Chapter 13 plan.

What Happens to My Cosigner if I File Chapter 13 Bankruptcy

If you file Chapter 13 bankruptcy and you have debt with a cosigner, your bankruptcy could affect the cosigner.

What If I Lose My Job After I File for Chapter 13 Bankruptcy?

Chapter 13 filers who lose their job have a few bankruptcy options. Depending on your creditors, property, and the amount paid into the plan, the bankruptcy court might reduce your Chapter 13 payment or end your Chapter 13 with a hardship discharge.