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Category Archives: Chapter 13

Using Chapter 13 for Relief From Credit Card Debt

Chapter 13 Credit Card Relief Debt

Crushing debt from credit card charges can feel inescapable. Minimum payments barely make a dent, and the stress of looming balances can be paralyzing. If you’ve explored other options and are still overwhelmed, Chapter 13 might be a path to financial freedom. Here is a primer on how this form of bankruptcy treats credit card […]

Which Types of Debts Can Be Discharged in Chapter 13 but Not in Chapter 7?

Chapter 7 and Chapter 13 are forms of bankruptcy that offer relief from debt in order to gain a fresh financial start. However, there are differences between them that are important to deciding which type of bankruptcy to pursue. Although Chapter 7 generally results in a full debt discharge, there are certain debts that only […]

What Are Your Options if You Can’t Make Your Payments Under Chapter 13?

The core of a Chapter 13 bankruptcy is the establishment of plan calling for you to repay a portion of your unsecured debt on a monthly basis over a three- to five-year period. These plans are designed to be manageable, but things can happen in life that cause you to struggle to make your payments. […]

Understanding the Rules for Repeat Bankruptcy Filings

Even after getting a fresh start by filing for bankruptcy, it is possible to fall on hard times again. Whether due to an illness, job loss or something else, you may find yourself needing to consider a repeat bankruptcy. The good news is that you can file bankruptcy as many times as you need to […]

What to Do if the Bankruptcy Trustee Tries to Dismiss Your Chapter 13 Case

The core benefit of Chapter 13 bankruptcy is that it restructures your unsecured debt into a three- to five-year repayment plan. However, you have an obligation to make those payments on time, every time. If you fall behind, the trustee in charge of your case could file a motion to dismiss if. If you are […]

Lien Stripping of Second Mortgages in Chapter 13

One of the main reasons consumers file Chapter 13 bankruptcy is to save their homes from foreclosure. With Chapter 13, also known as a wage earner’s plan, the debtor may be able to keep the home by paying off mortgage arrearages over a period of years. However, a homeowner may have more than one loan […]

Refinancing Your Mortgage During a Chapter 13 Bankruptcy

refinancing home during bankruptcy

It is possible to refinance a home loan while in Chapter 13 bankruptcy, though there are hurdles that make the process more difficult. The eligibility requirements are fairly strict. The debtor must get pre-approval from the bankruptcy court. Refinancing under Chapter 13 also takes longer and requires additional paperwork. However, the result can be worth […]

Keys to a Successful Chapter 13 Reorganization

In a Chapter 13 bankruptcy — also known as a wage earner’s plan — a portion of the debtor’s outstanding unsecured debts are paid over a period of three to five years, with the remainder then being discharged. Chapter 13 is often an attractive option for debtors with steady incomes because it allows them to […]

What Determines the Length of Your Chapter 13 Plan?

A Chapter 13 bankruptcy, otherwise known as a wage earner’s plan, allows you to discharge your debts by repaying a portion of them over time and on more favorable terms. When you have completed the plan, the court will eliminate most or all of your remaining unsecured debts. Chapter 13 repayment plans last either three […]


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