Bankruptcy Blog

A Chapter 7 Bankruptcy is what most people think of when you say “Bankruptcy“. This bankruptcy deals with unsecured debts. If you are behind on your house or car the chapter 7 will not help you to keep those things. The chapter 13 bankruptcy is mainly used for people that have fallen behind on their […]

A Chapter 13 Bankruptcy is used most by people that have fallen behind in their mortgage payments or fallen behind on their car. The chapter 13 will force the mortgage company to stop the foreclosure process or the repossession of your car. With the mortgage only the arrears can be put in the in the […]

Many people are not familiar with the bankruptcy laws and when they fall behind and in a trap once again, they feel they have no option. It is possible for someone who has filed a Chapter 13 bankruptcy to re-file their case if their previous Chapter 13 case has been dismissed. The process […]

When a Debtor files for a Chapter 13 bankruptcy the process takes from three to five years to complete the process. Over the years the Debtor makes payments to the Chapter 13 trustee each month and under the new law, it is wage deducted from one or both of the Debtors. Once the […]

Stopping a Repossession of a vehicle can easily be done with the filing of a Chapter 13 Bankruptcy. The reason for the repossession is usually because of failure to make timely payments on the vehicle. Which if your not making those payments your probably not making payments on the credit cards and maybe on your […]

Once your Chapter 13 bankruptcy is filed there is a hearing that you must attend. You will receive a notice in the mail regarding this hearing and it can be confusing. The Chapter 13 meeting of creditors’ notice that the bankruptcy courts mail out has a time of 2pm, but you actually have […]

The number one reason the chapter 13 bankruptcy is used is to help to save a home or car. If you have fallen behind on the monthly payments the mortgage company will try and put a plan together to help you catch the arrears up. With most of the plans they want their money paid […]

Chapter 13 debtors are required under the new law to go under a wage order for their Chapter 13 payments. The purpose of having the debtors under a wage directive is to reduce the amount of cases that are dismissed. The problem that you run into is just a few. Some Chapter […]

Clients come into our office to seek relief from their creditors. People who get behind on their home tend to file for a Chapter 13 bankruptcy to save their home from being foreclosed. During the process of making their Chapter 13 plan payments, they find themselves in another problem where they can’t make […]

Losing your home is not a choice your want to have to make. Filing a Chapter 13 Bankruptcy in most casse can help you keep your home, If the reason is that you have fallen behind because of loss of income and now you have it back, the chapter 13 will allow you to pay […]