Chapter 13 Bankruptcy

Chapter 13 is a repayment plan for debtors whose income or assets are too high to file for bankruptcy under Chapter 7.   Chapter 13 bankruptcy also addresses unsecured debt, stops wage garnishments, bank levies and most court action.    There are upper limits to income and assets for Chapter 13 debtors, but most clients who do not qualify for Chapter 7, will qualify for a Chapter 13 repayment plan.    After 3 or 5 years of Chapter 13 payments, on time and in full, most remaining unsecured debts are wiped out by the Chapter 13 “super-discharge”.    Chapter 13 also will give you a fresh start.   Remember:

“It’s never too late to start over”.

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