Chapter 13 Bankruptcy

Chapter 13 Benefits

Repayment to unsecured creditors in a Chapter 13 can range from 0% to 100% depending upon the types of debt, your income, and the value of your non-exempt assets. This bankruptcy is commonly referred to as “reorganization” or “wage earner” plan. In a Chapter 13 Bankruptcy, you can generally keep all of your property.

One of the benefits to choosing Chapter 13 over Chapter 7 is that certain debts that cannot be discharged in Chapter 7 can be paid through the Chapter 13 plan. Some of these debts include back taxes, past-due child support or spousal support, student loans, loans obtained by fraud, past-due mortgage payments, and past-due car payments.

Here are some considerations when trying to asses if a Chapter 13 Bankruptcy is a good choice for you:

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