Chapter 13 bankruptcy: keep your home, keep your car, catch up on your terms

Chapter 13 reorganizes what you owe into one affordable monthly payment over three to five years. It stops foreclosure and repossession the day you file, and it is specifically built to let you cure missed mortgage and car payments instead of losing what you have worked for.

What a Chapter 13 plan can do

• Stop a foreclosure sale and cure missed mortgage payments over time
• Stop repossession, and often recover a recently repossessed vehicle
• Combine arrears, taxes, and other debts into one payment sized to your income
• Protect co-signers on consumer debts while the plan runs
• Discharge remaining unsecured balances when the plan completes

Who it fits

Chapter 13 is typically best if you are behind on a mortgage or car loan you want to keep, have steady income, or earn above the Chapter 7 means-test line but still cannot keep up. Facing a sale date? How the automatic stay halts a Kentucky foreclosure.

Dalton Stanley's years clerking at the U.S. Bankruptcy Court for the Eastern District of Kentucky mean your plan is drafted the way judges and trustees expect to see it, which is what gets plans confirmed.

Talk to a local bankruptcy attorney

Call or text (276) 409-5541 (or send us a text) · Email [email protected]
Office: 156 Ky Oil Village, Betsy Layne, KY 41605 (by appointment only) · Book your free, no-obligation consultation.

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Dalton Stanley is the attorney responsible for the content of this website. Principal office located at 156 Ky Oil Village, Betsy Layne, KY 41605. The information provided on this website is for general educational and informational purposes only and does not constitute formal legal advice. Viewing this website or submitting a contact form does not create an attorney-client relationship. Licensed to practice law in the Commonwealth of Kentucky. THIS IS ADVERTISING MATERIAL. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.