Chapter 13 Bankruptcy
Learn how Chapter 13 bankruptcy works, whether you are eligible to file Chapter 13 bankruptcy, what happens to your car and home in Chapter 13, differences between Chapter 7 and Chapter 13, how much you'll have to pay through your Chapter 13 bankruptcy repayment plan, and more.
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An Overview of Chapter 13 Bankruptcy
Start here to learn about Chapter 13 bankruptcy.
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Get answers to common questions about Chapter 13 bankruptcy.
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Steps in a Typical Chapter 13 Bankruptcy Case
Here’s how a typical Chapter 13 bankruptcy proceeds – from filing the petition to receiving the discharge.
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Tips for Surviving Chapter 13 Bankruptcy
Follow these tips to ensure successful completion of your Chapter 13 bankruptcy case.
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When Chapter 13 Bankruptcy Is Better Than Chapter 7 Bankruptcy
For some debtors, Chapter 13 bankruptcy is a better option than Chapter 7 bankruptcy.
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Does Chapter 13 Bankruptcy Ruin Your Credit?
Your credit will suffer when you file a Chapter 13 case, but it will drop from your credit report years before a Chapter 7 case would.
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Are You Eligible for Chapter 13 Bankruptcy?
For many debtors, Chapter 13 bankruptcy is a good option. But not everyone is eligible for Chapter 13 bankruptcy.
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Can I File for Bankruptcy If I Am Unemployed?
You don't have to be employed to file for bankruptcy. But being unemployed can affect the success of your bankruptcy if you file for Chapter 13.
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Can an undocumented immigrant file for bankruptcy?
If you are an undocumented immigrant, you can still file for bankruptcy relief.
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Can a legal resident (noncitizen) file for bankruptcy?
If you are a legal resident (but not a U.S. citizen), you are eligible to file for bankruptcy relief.
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Strategies to Meet the Chapter 13 Bankruptcy Debt Limits
You are not eligible to file for Chapter 13 bankruptcy if your debts exceed a certain amount. That is, if you have too much debt, you can't use Chapter 13.
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Your Obligations Under a Chapter 13 Bankruptcy Plan
Learn which debts you must pay back when you file for Chapter 13 bankruptcy.
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The Good Faith Requirement in Chapter 13 Bankruptcy
You must propose a Chapter 13 bankruptcy repayment plan in good faith. Here's what that means.
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"Best Effort" Requirement in Chapter 13 Bankruptcy
In order to be confirmed (approved) by the court, your Chapter 13 repayment plan must represent your "best effort" at paying back your nonpriority unsecured creditors.
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Can I Pay Off My Chapter 13 Bankruptcy Plan Early?
In most Chapter 13 bankruptcy cases, you cannot finish your Chapter 13 plan early unless you pay creditors in full.
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Debts That Must Be Paid in Chapter 13 Bankruptcy
In Chapter 13 bankruptcy, you must pay some debts in full through your plan; others you pay in part. Here are the details.
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Cramdowns in Chapter 13 Bankruptcy: The Basics
In Chapter 13 Bankruptcy, you may be able to reduce the principle of a secured debt to the value of the collateral secured. Learn how it works.
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Can my home mortgage be reduced with a Chapter 13 cramdown?
A Chapter 13 cramdown cannot be used for your residence, but you may have other options in Chapter 13 bankruptcy.
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Your Home in Chapter 13 Bankruptcy
Chapter 13 bankruptcy provides opportunities for homeowners to delay or prevent foreclosure and pay off back debt on their mortgages.
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Keep Your House With Chapter 13 Bankruptcy
Chapter 13 bankruptcy is a great tool for avoiding foreclosure.
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How to Value Your Home in Bankruptcy
Learn about methods for valuing your home in bankruptcy.
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Car Repossession and Chapter 13 Bankruptcy
Find out if a car loan lender can repossess your car during bankruptcy, and whether you can get it back if the repossession happened before you filed.
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Your Car in Chapter 13 Bankruptcy: An Overview
What happens to your car, truck, van, motorcycyle, or other vehicle if you file for Chapter 13 bankruptcy?
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Debts That Must Be Paid in Chapter 13 Bankruptcy
In Chapter 13 bankruptcy, you must pay some debts in full through your plan; others you pay in part. Here are the details.
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Secured Debts in Chapter 13 Bankruptcy
Secured debts are handled completely differently in Chapter 13 than in Chapter 7.
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Debts That Survive Chapter 13 Bankruptcy
After you complete your Chapter 13 plan, some of the remaining debts won't be discharged.
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Property in Chapter 13: An Overview
You keep your property in Chapter 13 bankruptcy. But your property can affect how much you pay into your Chapter 13 plan, and you have to keep up with secured debt payments.
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Can I Keep My Tax Refund in Chapter 13 Bankruptcy?
If you receive a tax refund during a Chapter 13 bankruptcy case, the Chapter 13 trustee will require you to turn that money over for payment to your creditors.
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Keeping Property in Chapter 13 Bankruptcy
In Chapter 13 bankruptcy, you are allowed to keep all of your property. However, if you have nonexempt assets, you may be required to pay back more of your unsecured debts through your Chapter 13 plan.
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