SAVE YOUR HOME. RESTRUCTURE YOUR DEBT. KEEP WHAT'S YOURS.
Chapter 13 lets you catch up, restructure, and come out the other side with your assets intact.
Filing Chapter 13 triggers an automatic stay that halts foreclosure immediately — giving your attorney time to build a repayment plan that actually works.
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Chapter 13 attorneys typically charge $3,000–$6,000 — and courts actually review attorney fees in bankruptcy cases.
A legal plan gives you access to a licensed bankruptcy attorney for consultations, plan strategy, and guidance at a fraction of what hiring one directly would cost.
Chapter 13 bankruptcy is the tool that lets you stop foreclosure, catch up on missed mortgage payments, keep non-exempt assets, and restructure debt into a manageable 3–5 year court-approved repayment plan. Unlike Chapter 7, you don't give up property — you pay back what you can afford and discharge what remains at the end.
But the plan must be carefully designed, confirmed by a bankruptcy judge, and maintained for years. A missed payment or an improperly filed plan can result in dismissal — losing all the protection you filed for. An attorney is essential for building a plan that works, gets confirmed, and sees you through to discharge.
Your Chapter 13 plan must treat creditors in specific priority order, meet disposable income requirements, and be confirmable by a judge. Your attorney designs a plan that satisfies all legal requirements, handles secured and unsecured creditors correctly, and keeps your monthly payment as low as legally possible.
If you're behind on your mortgage and facing foreclosure, Chapter 13 stops the sale immediately and spreads your missed payments over the life of your plan. Your attorney structures the plan to cure your arrears while keeping your ongoing mortgage payments current — letting you keep your home.
If your home is worth less than your first mortgage balance, a second mortgage or HELOC may be entirely unsecured — and Chapter 13 can strip it off the property through a lien strip motion. Your attorney identifies this opportunity and files the appropriate motion to eliminate the junior lien entirely.
Unlike Chapter 7, Chapter 13 lets you keep property that exceeds exemption limits — as long as unsecured creditors receive at least what they'd get in a Chapter 7 liquidation. Your attorney calculates this "best interest" test precisely so you can protect valuable assets while restructuring your debt.
Your attorney files your petition, schedules, and proposed repayment plan with the bankruptcy court. The automatic stay stops all collection activity immediately. Within 45 days, a confirmation hearing is held where a judge reviews and approves your plan — your attorney handles all trustee and creditor objections.
You make monthly payments to the bankruptcy trustee, who distributes funds to creditors according to your confirmed plan. This phase lasts 3–5 years. Your attorney monitors the plan, handles any creditor disputes, and files plan modifications if your income or expenses change significantly.
After completing all plan payments, the court discharges your remaining eligible unsecured debt. Any stripped liens are permanently removed from your property. Your attorney confirms the discharge, ensures all creditors are properly notified, and helps you take the first steps toward rebuilding your financial life.
Chapter 13 is one of the only legal tools that can halt a foreclosure sale already scheduled for tomorrow — and allow you to repay missed mortgage payments over 3–5 years while staying in your home. Filing even one day before a foreclosure sale can legally stop it in its tracks.
Chapter 13 requires a steady, reliable income source to fund your repayment plan. Employment, self-employment, Social Security, rental income, and pension income all qualify. If your income is irregular or too low to support any plan payment, Chapter 7 may be the better option.
If your home is worth less than your first mortgage balance, any junior liens — second mortgages, HELOCs — are fully unsecured and can be stripped off entirely through Chapter 13. This turns a debt you'd owe for years into an unsecured balance that gets discharged at the end of your plan.
The automatic stay halts a foreclosure sale the moment you file — even if the sale is scheduled for the next day. Chapter 13 gives you a legal path to keep your home and catch up on what you owe.
Instead of paying all missed mortgage payments at once, Chapter 13 spreads your arrears across your entire plan period — making a seemingly impossible lump sum into manageable monthly installments.
Unlike Chapter 7, Chapter 13 lets you retain property that exceeds exemption limits — jewelry, investment accounts, a second vehicle, or business equipment — as long as your plan pays creditors appropriately.
At the end of your 3–5 year plan, any remaining eligible unsecured debt — credit cards, medical bills, personal loans — is fully discharged. You finish the plan and walk away debt-free.
If your home's value is less than your first mortgage balance, Chapter 13 can permanently remove a second mortgage or HELOC from your property — eliminating that debt entirely at plan completion.
Chapter 13's co-debtor stay protects individuals who co-signed consumer loans from collection activity while your plan is active — shielding family members or friends who helped you secure financing.
Chapter 13 is the most powerful tool available to stop a foreclosure and give you time to cure your arrears. If saving your home is the priority, this is the chapter designed for it.
If you own property — a second vehicle, business equipment, investment accounts — that exceeds exemption limits, Chapter 13 lets you keep it by funding a repayment plan instead of surrendering it.
If the means test disqualifies you from Chapter 7 because your income is above your state's median, Chapter 13 is the alternative that still provides powerful debt relief and a path to discharge.
If your vehicle is worth significantly more than your state's motor vehicle exemption, Chapter 7 could result in losing it. Chapter 13 lets you keep it and pay its value through your plan.
Certain income tax debts can be paid through a Chapter 13 plan over 3–5 years — often without additional penalties or interest accruing. This is a structured, court-supervised way to resolve IRS debt.
Chapter 13's co-debtor stay prevents creditors from pursuing anyone who co-signed a consumer loan while your plan is active — protecting family members from collection during your repayment period.
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"I was three months behind on my mortgage and the foreclosure notice had already been filed. My attorney got the Chapter 13 petition in before the sale date. I'm still in my home and almost done with my plan."
"I made too much for Chapter 7 but was drowning in credit card debt. Chapter 13 let me pay back what I could afford and discharge the rest. My attorney designed a plan that actually fit my budget."
"We had a second mortgage that was completely underwater. Our attorney filed a lien strip motion and eliminated it entirely through our Chapter 13 plan. That alone saved us over $80,000."
"I owed back taxes and thought there was no way out. My attorney structured a Chapter 13 plan that paid the IRS over five years with no additional penalties. Now I'm discharged and starting fresh."