Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time
Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time
Chapter 13 Bankruptcy: Keep Your Property & Repay Debts Over Time
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Description
Description
Filing for Chapter 13 bankruptcy stops creditors, lawsuits, wage garnishments, bank levies, and other collection actions immediately, giving you time to restructure your debts. Yes, you'll pay into a three- or five-year repayment plan in Chapter 13. But your money will go toward the debts that matter most--like your mortgage, car loan, support obligations, and taxes. Remaining debts, such as credit card, medical, and utility bills, usually receive only a fraction of what you owe.
Also, Chapter 13 offers unique debt solutions not available in Chapter 7, sometimes making Chapter 13 the better choice even for those who qualify for Chapter 7. For instance, only in Chapter 13 can filers do the following:
- keep all property
- avoid foreclosure and vehicle repossession
- pay the fair market value for a car, and
- in some cases, eliminate a junior mortgage loan.
This plain-English Chapter 13 guide covers the Chapter 13 process from start to finish, explaining how to determine if you qualify for Chapter 13, what's required to catch up on your mortgage and keep your home, and how to rebuild your credit after bankruptcy. You'll also learn more about the following:
- how much you'll pay in a repayment plan
- which debts get erased when the case ends, and
- how to find and hire the right lawyer
The revised edition explains where to find legal updates, bankruptcy forms, and state-specific information.
Critical Reviews
Critical Reviews
"An excellent book that can guide you through the [Chapter 13] process." Forbes Magazine
"Chapter 13 Bankruptcy will save you a fortune in attorney fees and confusion." The Midwest Book Review
"This is the best book going if you choose to file alone or if you want background on the Chapter 13 process." Attorney Gary Klein, Co-Author of Consumer Bankruptcy Law and Practice
"It explains how Chapter 13 works, the automatic stay, determining eligibility for Chapter 13, the means test, proposing a plan the judge will approve, and making the decision; filing for bankruptcy; common legal issues, carrying out the plan, what to do if the plan cannot be completed, and life after bankruptcy; and hiring and working with a lawyer and doing legal research. This revised edition includes recent changes in bankruptcy law, as well as updated 50-state exemption tables and key Supreme Court decisions." Eithne O'Leyne, Editor, Ringgold, Inc.. ProtoView
Publishing Information
Publishing Information
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