Chapter 13 Bankruptcy Attorneys Across the United States
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.
What Is Chapter 13 Bankruptcy?
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.
Who Qualifies for Chapter 13?
- Individuals with regular income (wages, salary, self-employment, Social Security)
- Homeowners who are behind on mortgage payments and want to stop foreclosure
- People with secured debts (car loans, mortgages) they want to keep
- Those whose unsecured debts are below $465,275 and secured debts below $1,395,875 (2024 limits)
- Individuals who do not qualify for Chapter 7 due to income
Chapter 13 — Key Facts
- Plan Duration
- 3–5 years
- Court Filing Fee
- $313
- Typical Attorney Fee
- $3,000–$6,000
- Credit Report Impact
- 7 years
- Foreclosure Protection
- Yes (automatic stay)
- Asset Retention
- Keep all property
Ready to speak with a Chapter 13 attorney?
The Chapter 13 Process — Step by Step
Credit Counseling
Complete a required credit counseling course within 180 days before filing.
File Petition & Repayment Plan
Your attorney files the bankruptcy petition along with a proposed 3–5 year repayment plan showing how you will pay creditors.
Automatic Stay
Filing immediately stops foreclosure, repossession, wage garnishment, and all collection activity.
Plan Confirmation Hearing
The bankruptcy judge reviews and confirms your repayment plan, typically within 45 days of filing.
Make Plan Payments
You make monthly payments to a Chapter 13 trustee who distributes funds to creditors according to the plan.
Discharge
After completing all plan payments (3–5 years), remaining eligible unsecured debts are discharged.
Chapter 13 Bankruptcy Attorneys — Nationwide
5,401 attorneys found
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
Browse Chapter 13 attorneys in every state. Click a state to see local attorneys and city-level listings.