Why Chapter 13 bankruptcy?
Most of our clients choose chapter 13 over chapter 7 because of one of the following:
- They are ineligible to file chapter 13 as they fail the means test.
- They have filed chapter 7 and have received a discharge in the last years.
- They are behind on mortgage payments and want to get caught up.
- They are behind on their car payments and want to get caught up.
- They are paying more than 3% interest on their vehicle loan and the rest of the circumstances point to chapter 13.
Chapter 13 is a GREAT way to get caught up on late payments such as a mortgage or car loan.
We can also, in most circumstances, file your chapter 13 with ZERO DOWN for your attorney fees.
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