Why Chapter 13 bankruptcy?

Most of our clients choose chapter 13 over chapter 7 because of one of the following:

  1. They are ineligible to file chapter 13 as they fail the means test.
  2. They have filed chapter 7 and have received a discharge in the last years.
  3. They are behind on mortgage payments and want to get caught up.
  4. They are behind on their car payments and want to get caught up.
  5. 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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