Category: Chapter 13 Bankruptcy

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

You have made your Chapter 13 payments for years. Now you are close to the finish line. You may be wondering what happens next. When does the bankruptcy actually end? When do your debts go away? And what should you do to wrap things up the right way? This is an exciting time. It is … Read more

While you are in your Chapter 13 bankruptcy, plenty of emergencies can come up that will make it crucial for you to incur debt. These emergencies can range from needing to get a newer vehicle or to pay for a costly, but necessary, medical procedure. Before you incur any debt a Motion to Incur Debt … Read more

So you’ve been making your monthly Chapter 13 payment and it hasn’t been easy. There isn’t a lot of wiggle room to begin with but some months have been better than others. Plus, you know you’re on track to save a lot of money by completing the Chapter 13 bankruptcy. Then life happens. It’s the loss of a job, unexpected medical situation or a variety of other reasons why you may not be able to afford your monthly Chapter 13 payment anymore. So what do you do?

Most Chapter 13 bankruptcy cases are set to last for 36 to 60 months (3 to 5 years). During those years, you may experience a change in circumstances that put you in a position where you need to request for your plan payment to be lowered. The purpose of this blog post is to discuss … Read more