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Find Chapter 13 Bankruptcy Lawyer

Find Chapter 13 Bankruptcy Lawyer

Chapter 13 Bankruptcy

Bankruptcy doesn’t always mean selling all earthly possessions in order to satisfy hungry creditors. Chapter 13 bankruptcy can actually serve to allow petitioners to reorganize their debts while continuing to live their daily lives. The main requirement to qualify for chapter 13 bankruptcy is having regular employment.

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Roman Law Firm

22 years in practice
Bankruptcy, Business Arbitration, Business Dissolution, Business Finance, Business Law
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Roman Law Firm

22 years in practice
Bankruptcy, Business Arbitration, Business Dissolution, Business Finance, Business Law
View Profile

Resolving Debt Through Repayment

Chapter 13 can be an invaluable lifeline for individuals who have regular employment. While this type of bankruptcy proceeding has some solid advantages, there are also some notable drawbacks that should be discussed with a bankruptcy attorney.

Chapter 13 Advantages

As with any form of bankruptcy, chapter 13 grants relief to the petitioner from creditors. While chapter 13 is being filed a stay is placed on all collection proceedings and once the repayment plan is processed, it binds both the petitioner and creditors. Additionally, chapter 13 allows debts to be discharged without fully paying off the debt. All the petitioner needs to do is stick to the plan and make the required payments and at the end of the period, any remaining eligible debts are discharged.

Chapter 13 Disadvantages

While there are many appealing facets to chapter 13 bankruptcy, there are some notable drawbacks. First, the timeline for repayment gives a lot of time for unexpected occurrences to interfere with repayment. If there is an emergency, a debilitating injury, or a change in the petitioner’s employment status, the entire plan can be jeopardized. Additionally, the payment period makes it one of the longest types of bankruptcy proceedings, taking multiple years before the situation resolves.

Giving You a Second Chance

If you are seeking protection under chapter 13 bankruptcy, you will need the help of an experienced bankruptcy attorney. A bankruptcy lawyer can use their experience and expertise to represent your interests and get you the results you need to start fresh.

In order to achieve this best outcome, however, you will need an attorney who has the expertise and resources to take your case all the way. That’s why you should contact Attorney at Law. By partnering with AAL, you will be able to avoid slogging through the quagmire of unscrupulous lawyers looking to exploit your case.

At AAL, we only partner with the best firms in your area, helping you find the best attorney for your case. Don’t wait, contact AAL today to be matched with skilled and experienced attorneys in your area who practice bankruptcy law.


Are you looking for an attorney? Do you have questions about a legal case you are facing? Contact us now and we will put you in touch with a lawyer for free.

Chapter 13 Bankruptcy Frequently Asked Questions

1. What is chapter 13 bankruptcy?

Chapter 13 bankruptcy is a form of personal bankruptcy that allows individuals to create a repayment plan to reorganize their debts. As long as an individual has a regular income, they could qualify for chapter 13 bankruptcy plans. If approved, chapter 13 locks the petitioner into a repayment plan for between 3 and 5 years.

2. How long does it take to file chapter 13?

It can take a few months to complete the administrative tasks of chapter 13 bankruptcy such as creating and ratifying the repayment plan. Once the administrative process has been completed, the repayment period of chapter 13 bankruptcy begins, which can take several years to conclude.

3. How much does it cost to file chapter 13?

Filing and administrative fees for filing chapter 13 bankruptcy come out to $310. This does not include costs associated with retaining a bankruptcy attorney but most if not all of the costs associated with chapter 13 bankruptcy can be added into the payment plan calculation.

4. What happens after I file for chapter 13?

Once the chapter 13 plan has been approved, individuals are locked into paying installments for the next 3 to 5 years. At the end of the repayment period, all qualified debts will be discharged, freeing the individual from their obligations.

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