Repayment plan that protects what matters.
Chapter 13 creates a court-approved plan to repay creditors over time while catching up on key obligations often used to cure mortgage or car arrears and reorganize debt within Chapter 13 limits.
Steady income, behind on payments
If you can make structured payments, Chapter 13 may let you catch up on mortgage or car arrears while protecting assets.
Too much for 7, within 13 limits
If you don’t qualify for Chapter 7 or need to keep non-exempt property, Chapter 13 may be the better path.
What Chapter 13 does
- Automatic stay pauses most collections & foreclosure actions
- 3–5 year repayment plan tailored to income
- Opportunity to cure arrears while keeping assets
Documents & info to gather
Is Chapter 13 right for you?
- You have regular income to fund a plan
- Your total debts fall within Chapter 13 limits
- You need time to cure arrears and reorganize
Chapter 13 in 6 steps
Filing starts protection and assigns a trustee.
Based on income, expenses, and priorities (mortgage/car, taxes, etc.).
Trustee reviews information; you answer questions under oath.
Court approves plan if feasible and compliant.
Consistent payments to trustee; stay current on new obligations.
At completion, remaining eligible debts may be discharged.
Tools within Chapter 13
- Cure mortgage arrears over time
- Restructure certain secured debts (subject to rules)
- Prioritize taxes/support as required by law
- Protect non-exempt property while repaying
Quick answers
Will I keep my house or car?
Often yes—plans can cure arrears over time if you can maintain ongoing payments.
How long is the plan?
Commonly 3–5 years, depending on income and other factors.
What if income changes?
Plans may be modified for good-faith changes; notify counsel promptly.
Will creditors stop calling?
The automatic stay typically pauses most collection activity after filing.
Informational only. Does not create an attorney-client relationship.