Filing for Chapter 13

If chapter 7 is not a good option for your situation, chapter 13 can allow you to pay certain debts through a five-year repayment plan.

This can be especially useful if you are behind on your house payments and cannot get your account current. It can also allow you to lower your car payments and interest rates in some circumstances.

Individual situations can vary dramatically, so it is important to discuss your situation together, so you know what can and cannot be done in your case.