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Chapter 13 Bankruptcy

A Chapter 13 bankruptcy creates a debt repayment plan that protects your assets and allows you to pay only a percentage of your debts from your current income.  A Chapter 13 plan lasts either until you pay your debts in full (100%) or until the end of a three- to five-year period.  You will receive a discharge like in a Chapter 7 bankruptcy upon the successful completion of your Chapter 13 plan.

To qualify for Chapter 13 bankruptcy in Columbus you must have a reliable source of income that allows you to make a plan payment to the Chapter 13 Trustee.  Your plan payment is based upon a multitude of factors, including your monthly income, your living expenses, what type of type is included in your case, your assets and the means test.  Each case is different; with no two cases being exactly alike.  What may work for one person, will not necessarily work for another.  Each Chapter 13 Bankruptcy case is prepared based upon each individual client and their specific circumstances.

A Chapter 13 bankruptcy typically can provide for you to keep your home or your car, even if you are behind in your monthly payments, so long as you have the desire and income to do so.

A Chapter 13 plan can provide for the repayment of past due taxes, past due child support and offers protections and features that are not available under Chapter 7.

It is important to meet with an experienced attorney to discuss your personal goals and how they may be accomplished within your Chapter 13 bankruptcy case.

Eden R. Sarver

Eden R. Sarver, Attorney at Law

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