Chapter 13 Bankruptcy
Keep your home, your car, and your peace of mind. Chapter 13 restructures your debts into an affordable repayment plan that works for you.
Free Chapter 13 ConsultationHow Chapter 13 Helps You
Stop Foreclosure, Keep Your House
Chapter 13 lets you keep your assets while repaying a portion of your debts over 3–5 years. It's ideal if you have regular income and want to save your home from foreclosure.
- Keep your home and catch up on missed mortgage payments
- Restructure car loans and reduce interest rates
- 3–5 year repayment plan based on what you can afford
- Discharge remaining eligible debt at plan completion
Catch Up on Mortgage
Spread missed mortgage payments across your 3–5 year plan while keeping up with your current monthly payments. No more fear of losing your home.
Reduce Car Payments
Restructure car loans and potentially reduce the interest rate, lowering your monthly payment and making it easier to keep your vehicle.
The Automatic Stay — Protection Starts Immediately
The moment you file for Chapter 13, an "automatic stay" goes into effect — immediately stopping foreclosure proceedings, creditor calls, lawsuits, wage garnishments, and repossession attempts. You get breathing room from day one.
Chapter 13 FAQs
Will bankruptcy ruin my credit forever?
Bankruptcy does impact your credit, but it's not permanent. Most clients see credit improvement within 1–2 years and are able to purchase homes and cars within 2–4 years of their discharge.
Can Chapter 13 save my home from foreclosure?
Yes. Chapter 13 is specifically designed to help you keep your home. The repayment plan lets you catch up on missed mortgage payments over 3–5 years while staying current on your ongoing payments. The automatic stay stops foreclosure proceedings immediately.
How is the repayment plan amount determined?
Your monthly payment is based on your disposable income — what's left after paying necessary living expenses. We'll help you build a budget that's realistic and affordable so the plan succeeds.
What happens if my income changes during the plan?
If you experience a job loss, medical emergency, or other hardship, the plan can often be modified or temporarily suspended. We'll work with you and the trustee to adjust your plan as circumstances change.
How much does Chapter 13 cost?
Court filing fees and attorney fees can often be included in your repayment plan, meaning little to nothing upfront. We'll discuss all costs clearly at your consultation — no surprises.
Save Your Home. Rebuild Your Future.
Schedule a free, confidential consultation. We'll review your situation and explain whether Chapter 13 is the right path for you — with no obligation.