Chapter 13 requires the debtor to pay back secured loans and a percentage of unsecured debt.  A payment plan is proposed to the court where you will have three to five years to pay off the debts.  Chapter 13 is similar to a debt consolidation plan, except with the protection of law. Typically, there are no attorney fees or court fees that must be paid prior to filing.   Chapter 13 may allow you to:

 

• Stop upcoming home foreclosure
• Lower your car payment and interest rate
• Adjust your creditor relationship
• Pay a percentage of your income to the trustee to pay debts and fees
• Stop Garnishments and Protect Co-Signors
• Be protected by the court while under your payment plan

1. Have free friendly consultation with Attorney Shelton either in person or over the phone.

2. Get the required paperwork to our office, which typically means:​​
   1. Last two tax returns (if filed)​
   2. Last six months of income information (if any)
   3. Last four months of bank statements (if any)
   4. A copy of your ID and Social Security Card (or documentation with your SSN)
   5. Vehicle titles (if any)
   6. Any other documents the Attorney requests
3. Take the Credit Counseling Class online or over the phone.​
4. We file your case - you need to start making your payments within 30 days.
5. Attend the meeting of creditors (these are held remote, and you will have to answer some simple questions).
6. Take the Debtor Education Class online or over the phone.
7. Pay your plan for 3 - 5 years and submit tax returns every year.
8. Once your plan is complete, wait for the final paperwork to be filed and the case closes.

Contact us today if you have any questions.