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Chapter 13

Personal Bankruptcy > Chapter 13

If you make more than the median income and don’t otherwise pass the Means Test, chapter 13 might be for you.  Chapter 13 bankruptcy can help you in many ways:
  • You can catch up on your car payments
  • You can catch up on your mortgage
  • You can get rid of a second mortgage if your first mortgage is for more than your house is worth – this is called “lien stripping”
  • You can eliminate most, if not all, of your debts by writing one check a month for no more than 5 years and as little as three years
  • You can get breathing room from oppressive debts, like tax debts, student loans and even child support and alimony
  • We can stop mortgage foreclosure in chapter 13 bankruptcy
  • We can object to erroneous credit card claims and fraudulent mortgage claims in chapter 13 bankruptcy cases
  • In many cases, we can help you obtain a mortgage modification agreement in chapter 13 even if you have previously been denied a mortgage modification under the Obama plan or the HAMP program

Personal Bankruptcy


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