Chapter 13 bankruptcy allows individuals to reorganize their debt into a manageable repayment plan while protecting important assets such as a home or vehicle. It’s an effective option for clients who have steady income but need time, structure, and legal protection to get back on track. With experienced guidance, Chapter 13 can help stop foreclosures, prevent repossessions, and give you the breathing room needed to rebuild your financial stability.

Unlike Chapter 7, which eliminates qualifying unsecured debt, Chapter 13 focuses on restructuring what you owe. Most repayment plans last between three and five years and allow you to consolidate debts into one affordable monthly payment. This approach is ideal for clients who are behind on their mortgage, need to protect personal assets, or simply cannot qualify for Chapter 7 due to income levels.

Chapter 13 can help address:

The repayment plan is tailored to your situation and approved by the court, giving you a clear blueprint to regain control of your finances.

Chapter 13 is available to individuals with a steady source of income and debt levels within federal limits. During your consultation, the firm reviews your household income, monthly expenses, secured debts, and overall goals to determine whether Chapter 13 is the most effective path forward. Many clients choose Chapter 13 specifically because it allows them to keep their home, prevent repossession, and protect assets that may not be exempt under Chapter 7.

Chapter 13 bankruptcy services are available to clients throughout:

With accessible offices in Lanham, Centreville, and Crofton, help is always close to home.