Repayment plan bankruptcy that lets you keep assets while restructuring debt over 3–5 years. Find a verified Chapter 13 attorney near you — free consultations available.
Chapter 13 bankruptcy — known as a wage earner's plan — allows individuals with regular income to reorganize their debts into a court-approved repayment plan lasting 3 to 5 years. Unlike Chapter 7, you keep all of your property while catching up on missed mortgage payments, car loans, and other secured debts. At the end of the plan, remaining eligible unsecured debts are discharged. Chapter 13 is particularly powerful for stopping foreclosure and saving your home.
Ready to speak with a Chapter 13 attorney?
Complete a required credit counseling course within 180 days before filing.
Your attorney files the bankruptcy petition along with a proposed 3–5 year repayment plan showing how you will pay creditors.
Filing immediately stops foreclosure, repossession, wage garnishment, and all collection activity.
The bankruptcy judge reviews and confirms your repayment plan, typically within 45 days of filing.
You make monthly payments to a Chapter 13 trustee who distributes funds to creditors according to the plan.
After completing all plan payments (3–5 years), remaining eligible unsecured debts are discharged.
Steven John Kolis
Steven John Kolis has handled 1 federal bankruptcy case in federal court.
Avraham Save
Avraham Save has handled 1 federal bankruptcy case in federal court.
Elizabeth Abrao
Elizabeth Abrao has handled 1 federal bankruptcy case in federal court.
Zachary Adam McVicker
Zachary Adam McVicker has handled 1 federal bankruptcy case in federal court.
Joseph Michael Western
Joseph Michael Western has handled 1 federal bankruptcy case in federal court.
Mirjana Anngelle Hernandez
Mirjana Anngelle Hernandez has handled 1 federal bankruptcy case in federal court.
Lori E. DeGraffenreid Cann
Lori E. DeGraffenreid Cann has handled 1 federal bankruptcy case in federal court.
De'Aunna Sue Carlucci
De'Aunna Sue Carlucci has handled 1 federal bankruptcy case in federal court.
Mary Garnes
Mary Garnes has handled 1 federal bankruptcy case in federal court.
Damon Frank Gagnon
Damon Frank Gagnon has handled 2 federal bankruptcy cases including Chapter 13 in federal court. Currently active.
Paul Joseph McCabe, Jr.
Paul Joseph McCabe, Jr. has handled 1 federal bankruptcy case including Chapter 13 in federal court. Currently active.
Lakeasha S. Evans
Lakeasha S. Evans has handled 1 federal bankruptcy case in federal court.
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