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Chapter 13

Posted By Majed on Dec 14, 2011 2:45pm PST

The two most common forms of bankruptcy filed by individuals are Chapter 7, which is a liquidation and Chapter 13, which is an agreement entered into that allows creditors to be repaid at least a portion of debt owed. If you do not qualify for Chapter 7 under the means test, the other option is to file for Chapter 13. Some benefits of filing Chapter 13 over Chapter 7 are that you can keep your home (and often times modify your mortgage terms), modify the payment for other secured debt (such as an auto loan, furniture or electronics), and protect the credit of co-signors.

Chapter 13 may be a viable option to help you off to a fresh financial start. The Fears | Nachawati Law Firm is experienced with Chapter 13 repayment plans and is qualified to handle your case.
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