• Chapter 13 will stop foreclosure and allow you to catch up mortgage payments over time.

• Stop lawsuits, garnishments, and even tax levies to get back in-control of your finances.

• Automatic stays are broader ranged and include co-debtors

• You keep non-exempt property

• Some debts that are not covered by Chapter 7 may be reduced in Chapter 13.

• Allows you to pay as much as you can on your debts and “do the right thing.”

Chapter 13 does require “priority claims” such as recent tax bills and child support to be paid in full.

If you decide you wish to pay off your debts, or do not qualify for Chapter 7 bankruptcy, we can help you determine what kind of monthly payment you can afford and help you file your payment plan with the courts.