Chapter 13: Keep Your Home & Reorganize
A 3–5 year repayment plan that lets you keep your property, stop foreclosure, and get back on track. Ideal for homeowners and those over the Chapter 7 income limit.
Benefits of Chapter 13
Chapter 13 is designed for people with regular income who want to reorganize their debts and protect their assets.
Save Your Home
Stop foreclosure and catch up on missed mortgage payments through your repayment plan.
Keep Your Vehicles
Protect your car, truck, or other vehicles from repossession while you repay.
Automatic Stay Protection
Immediately stops collection calls, lawsuits, garnishment, and foreclosure proceedings.
Reduce Total Debt
Unsecured debts may be reduced. Remaining balances discharged after plan completion.
Manageable Payments
Monthly payments based on your income and expenses — designed to be affordable.
3–5 Year Plan
Structured repayment plan with a defined end date and light at the end of the tunnel.
Who Should File Chapter 13?
Homeowners who want to stop foreclosure and catch up on mortgage arrears
People whose income is above the Chapter 7 means test limit
Those who filed Chapter 7 within the last 8 years
People with non-exempt assets they want to protect
Anyone with regular income who can commit to a monthly payment plan
Not Sure Between Chapter 7 and Chapter 13?
Our detailed comparison guide breaks down the differences to help you decide.
Read Chapter 7 vs. Chapter 13 GuideProtect Your Home and Assets
Chapter 13 can give you the breathing room you need. Free consultation available.