Chapter 13 Bankruptcy
Stop foreclosure. Catch up. Reorganize on your terms.
Chapter 13 is the right tool when Chapter 7 isn't — usually because you're behind on a mortgage or car payment you want to keep, or because your income is too high for Chapter 7. We bundle what you owe into a single court-supervised payment plan over 3 to 5 years.
When Chapter 13 is the right move
Behind on the house and trying to save it. Behind on a car you need to keep. Have non-dischargeable taxes that need to be paid over time. Income is over the Chapter 7 means-test threshold. Or you have non-exempt assets you want to protect.
What it stops
Foreclosure sales, vehicle repossession, wage garnishment, lawsuit judgments. The automatic stay kicks in the moment we file.
Wondering if Chapter 13 is the right fit?
Eugenio walks through your specific situation in a free 30-minute consultation. No pressure, just straight answers.