Chapter 13 Bankruptcy Attorneys Near You
Chapter 13 is a federal bankruptcy option in which an individual with regular income may propose a plan to repay all or part of certain debts over time. Plans generally run from three to five years and require court confirmation. Income, debts, property, prior cases, local procedure, and plan feasibility can all matter.
National Bankruptcy Advocates is a legal directory, not a law firm. It provides general information, not legal advice. Browsing profiles or contacting an office does not create an attorney-client relationship. Attorney availability, fees, services, and consultation terms must be confirmed directly with that attorney or firm. Read the legal disclaimer.
Chapter 13 decision path
Compare your options, repayment plan, and local guidance
Chapter 13 questions often turn on income, secured debts, payment obligations, and property concerns. These resources organize questions; they do not determine whether someone should file.
Compare Chapter 7 and Chapter 13
See the main differences in timing, property, and repayment structure.
ExploreReview Chapter 13 eligibility and debt limits
Understand the threshold questions to discuss with a bankruptcy lawyer.
ExploreUnderstand Chapter 13 fees and affordability
Review court-fee installments, plan-payment timing, and questions to ask about legal help.
ExploreFind Chapter 13 attorneys near you
Browse local profiles and prepare questions about income, property, debts, and deadlines.
ExploreUnderstanding Chapter 13 Bankruptcy
Chapter 13 is a federal bankruptcy option in which an individual with regular income may propose a plan to repay all or part of certain debts over time. Plans generally run from three to five years and require court confirmation. Income, debts, property, prior cases, local procedure, and plan feasibility can all matter.
Questions to discuss before a consultation
- Whether income is sufficiently regular to support a proposed repayment plan.
- Which secured debts, arrears, liens, and property issues should be discussed.
- Whether current debt limits, prior filings, and required courses affect the case.
- Whether a sale date, lawsuit, vehicle loan, or missed plan payment needs prompt local review.
Chapter 13 — Key considerations
- Plan
- Proposed and court-confirmed
- Income
- Must be sufficiently regular
- Payments
- Can begin before confirmation
- Mortgage arrears
- Fact-specific plan question
- Debt limits
- Confirm current figures separately
Browse profiles by location and prepare questions for an attorney or firm.
National Bankruptcy Advocates is a legal directory, not a law firm. It provides general information, not legal advice. Browsing profiles or contacting an office does not create an attorney-client relationship. Attorney availability, fees, services, and consultation terms must be confirmed directly with that attorney or firm. Read the legal disclaimer.
A General Chapter 13 Process
Complete pre-filing counseling when required
Subject to limited exceptions, approved credit counseling is generally completed before filing. Debtor education is a separate post-filing requirement.
File the petition and proposed plan
The petition, schedules, statement of financial affairs, and proposed plan provide financial information to the court, trustee, and creditors.
Begin case administration
Filing generally stays most collection activity while the stay applies. The trustee administers the case and evaluates the information and plan.
Make proposed plan payments
The first proposed payment is generally due before confirmation; local payment methods and procedures can vary.
Seek confirmation and comply with the plan
The court decides whether to confirm a plan. If circumstances change, modification, dismissal, or conversion may be considered, but none is automatic.
Browse Chapter 13 Bankruptcy Attorney Profiles
Daniel S. Morgan
Law Office of Daniel S. Morgan
Primary practice area: Bankruptcy & Debt. Avvo Rating: 7.2/10 (Very Good). 30 years of experience. Bar admissions: Montana (1995). Awards: BV Rated - 2016.
James E Ford
Law Office of James Emil Ford
Primary practice area: Bankruptcy & Debt. Avvo Rating: 6.5/10 (Good). 47 years of experience. Bar admissions: Illinois (1978).
Stuart M Nachbar
Law Office of Stuart M Nachbar
Primary practice area: Bankruptcy & Debt. Avvo Rating: 10.0/10 (Superb). 31 years of experience. Bar admissions: New York (2018), New Jersey (1994). Awards: A+ Rating - 2017, AV Preeminent Rated - 2017, Client Champion Award - Gold - 2017.
Scott J. Goldstein
Jennifer Emens-Butler
Rebecca Moffat White
Bradly A Watsabaugh
Miller McCoy
Michele McCoy
Alan Motes
Christian H. Dribusch
Frederick D Cruz
Chapter 13 Bankruptcy Attorneys by State
Select a state to browse location pages and available Chapter 13 attorney profiles.