Chapter 13 bankruptcy is built around your current income. When that income changes — because you switched jobs, got laid off, got a raise, or moved to part-time — the plan payment that made sense when you filed may no longer fit your situation. The good news is that Chapter 13 is designed to be … Read more
If you have missed a mortgage payment or two, you may be lying awake at night worried about losing your home. That fear is real, and you are not alone. Many good people fall behind on their mortgage after a job loss, an illness, or another setback. The good news is that foreclosure does not … Read more
If you are in a Chapter 13 bankruptcy, you may feel ready to be done. Three to five years can feel like a long time. So it is natural to ask, "Can I just pay it off early and move on with my life?" The good news is that you usually can. But there is … Read more
When you file Chapter 13 bankruptcy, you send one payment each month to the Chapter 13 trustee. But where does that money actually go? Who gets paid first? When will your car loan be paid off? These are fair questions. You work hard to send that money every month. You deserve to know how it … Read more
Filing Chapter 13 bankruptcy without an attorney — known as filing “pro se” — is legally permitted. But the data on what happens when people try it is sobering. According to a study by the American Bankruptcy Institute, pro se Chapter 13 filers complete their cases successfully only about 2.3% of the time. That means … Read more
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