Chapter 13 bankruptcy applies to individuals who do not qualify for Chapter 7 because they do not pass the means test and need to reorganize debt when income is too high. It also applies for those individuals who need to protect assets (for example automobiles, houses, condos, co-ops, or land), and where Chapter 7 will not provide adequate protection or exemptions in accomplishing this goal. A Chapter 13 provides the legal structure for you to reorganize your debt where a Trustee appointed by the Court will disburse monies in a plan to your creditors in a manner that is generally significantly more favorable than arrangements made outside of the bankruptcy process.
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If you are considering filing for bankruptcy, then call David J.
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Excellent Service
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