Blog Category: Chapter 13


Chapter 13 Payment Plan

Chapter 13 Payment Plan

Chapter 13 bankruptcy is often called a reorganization bankruptcy. Chapter 13 is different from a Chapter 7 bankruptcy in that you keep all of your assets and pay back past due payments on secured items such as your home or your vehicle. In a Chapter 13 bankruptcy, you submit a plan to the bankruptcy court  … Read more

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Reasons to File Chapter 13 Bankruptcy

Reasons to File Chapter 13 Bankruptcy

When you are overwhelmed in debt, struggling to make ends meet, often times you consider bankruptcy. If you are to that point in your financial crisis, you may be wondering what type of personal bankruptcy will suit you best. Chapter 13 will be your best option if you have secured creditors that you have been  … Read more

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Can I Convert a Chapter 13 to a Chapter 7 Bankruptcy?

Can I Convert a Chapter 13 to a Chapter 7 Bankruptcy?

Individuals who file for Chapter 13 bankruptcy in Texas sometimes find themselves unable to afford the continuing funding of their Chapter 13 reorganization plan. The US Bankruptcy Code was luckily not created in a vacuum and Congress realized that unexpected emergencies such as unforeseen bills, illness, and loss of employment happen. Because of this realization,  … Read more

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Using Chapter 13 in a Texas Business Bankruptcy

Using Chapter 13 in a Texas Business Bankruptcy

Running a successful business is difficult, and there can come a time when your sole proprietorship just isn’t realizing the money needed to pay for business operations as well as your own salary to pay for debts and expenses. If your business is not generating enough income to sustain you while you pay down debt,  … Read more

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Common Chapter 13 Bankruptcy Pro Se Mistakes

Common Chapter 13 Bankruptcy Pro Se Mistakes

Chapter 13 bankruptcy is quite the involved process, requiring not only a formidable stack of paperwork to begin the process but also a long and involved budgeting process that is meant to last for three to five years. Because of the long-term financial and personal consequences involved with bankruptcy, you should always consult a bankruptcy  … Read more

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Things You Cannot Do During a Chapter 13 Bankruptcy

Things You Cannot Do During a Chapter 13 Bankruptcy

For those of you who have heard that Chapter 13 bankruptcy can be difficult, it’s not too far from the truth. Surviving a Chapter 13 bankruptcy repayment plan over the course of 3-5 years is no small feat and requires an iron-clad will and systematic conscious of your finances at all time. Bankruptcy requires individuals,  … Read more

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Texas Chapter 13 Discharge Process

Texas Chapter 13 Discharge Process

For those suffering from severe debt, who are considering bankruptcy or who are already in the Chapter 13 repayment process, you are probably curious as to how the Chapter 13 bankruptcy process is completed. A Chapter 13 bankruptcy can end in one of two ways, a dismissal or a discharge. One is the realization of  … Read more

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Can Chapter 13 Bankruptcy Discharge Back Child Support?

Can Chapter 13 Bankruptcy Discharge Back Child Support?

If you have fallen behind on family support payments, either from child support or alimony, Chapter 13 bankruptcy can certainly help you out of your financial dilemma. While you can’t discharge these types of debts, you can reorganize your total debt load making it easier to avoid falling further behind on child support. Priority Debt  … Read more

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How A Chapter 13 Bankruptcy Can Save Your Business

How A Chapter 13 Bankruptcy Can Save Your Business

Small businesses run America. The US Small Business Administration reported that in 2017 there were 29.6 million small businesses in operation, consisting of 57.9 million employees. Out of all the business in the United States, that’s 99.9% of them. Unfortunately, only about 50% of business make it to their fifth year anniversary. Businesses fail for  … Read more

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Can I Get a Second Job in Chapter 13 Bankruptcy?

Can I Get a Second Job in Chapter 13 Bankruptcy?

When you filed for Chapter 13 bankruptcy protection, you are required to file out a number of forms known as “schedules” that give the bankruptcy court and the bankruptcy trustee assigned to your case a thorough understanding of your assets and liabilities, property you own, unexpired contracts and leases, your income, and your expenses, among  … Read more

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