Chapter 13 Bankruptcy
The repayment-plan bankruptcy: who it is for, how the 3-to-5-year plan works, how it can save a home from foreclosure or cram down a car loan, the hardship discharge, and what happens if you cannot keep up with payments.
All Chapter 13 Bankruptcy guides
- Modifying a Chapter 13 Plan After Confirmation
Job loss or a raise during your Chapter 13 plan? Learn how to modify payments, surrender property, or seek a hardship discharge.
- What Happens if You Can't Make Chapter 13 Payments?
If you can't afford your Chapter 13 payments, you usually have options: modify the plan, seek a hardship discharge, convert to Chapter 7, or face dismissal.
- How Long Does a Chapter 13 Plan Last?
Chapter 13 plans run 3 or 5 years depending on your income vs. your state's median - and you usually can't just pay it off early.
- How Chapter 13 Can Save Your Home From Foreclosure
Chapter 13 bankruptcy can stop a foreclosure sale and let you catch up on missed mortgage payments over time. Here's how it works and its limits.
- The Chapter 13 Hardship Discharge
What a Chapter 13 hardship discharge covers, its 3 legal requirements, how it differs from finishing your plan, and what to do if you can't keep paying.
- How Your Chapter 13 Plan Payment Is Calculated
Chapter 13 payments must cover priority debts and secured arrears, then pay unsecured creditors the higher of two legal tests - here's the math.
- Converting Between Chapter 13 and Chapter 7
You can switch bankruptcy chapters mid-case. What converting Chapter 13 to 7 (or 7 to 13) means for payments, property, and deadlines.
- Chapter 13 Bankruptcy Explained
Chapter 13 lets you keep your property and repay debts over 3-5 years through a court-approved plan. Here's how it works and who it fits.
- What Happens to Your Tax Refund in Chapter 13?
In Chapter 13, your tax refund can count as disposable income your trustee expects. Here's how that works and how to keep what you need.
- Chapter 13 Eligibility and Debt Limits
Who qualifies for Chapter 13 bankruptcy, why only individuals (not businesses) can file, and how the debt ceilings work and change.
- Keeping Your Car in Chapter 13 (and the 'Cramdown')
Chapter 13 can save your car from repossession and, in some cases, cut your loan through a 'cramdown.' Here's how it works.
- Chapter 7 vs. Chapter 13: Which Is Right for You?
Chapter 7 is fast and debt-free but requires passing a means test; Chapter 13 keeps property and cures mortgage arrears over years. Compare both.
- The Chapter 13 Repayment Plan: How It Works
How a Chapter 13 repayment plan pays priority debts, catches up secured arrears, and treats unsecured debt over a 3-5 year court-supervised plan.
- Incurring New Debt During a Chapter 13 Plan
Why you need trustee or court permission before borrowing during Chapter 13, how to ask, and what happens if you don't.