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How Does Chapter 13 Bankruptcy Work?

There are different types of bankruptcy, and two in particular that I specialize in: Chapter 7 and Chapter 13. These two kinds are available so that filers are able to determine the best course of action suited to their financial circumstances. While I’ll be focusing here on Chapter 13 bankruptcy, you can read more about Chapter 7 here. To put it plainly, the biggest difference with Chapter 13 is that with this type of bankruptcy, you agree to pay back some debts, as opposed to discharging them all within the filing.

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Bankruptcy on Social Security

The beginning of your retirement is meant to be the start of your golden years. It’s a time in life that you’ve worked hard to get to and should be able to enjoy. But if you’ve also been struggling with debts for years, they might still be making your life difficult when you’re meant to be free of financial stress.

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Assets: Before & After Bankruptcy

While bankruptcy gets a bad reputation, it is a great tool meant to eliminate debts that have snowballed beyond your control. If you’ve found yourself seriously considering bankruptcy as a means of relief from a heavy burden of debt, you probably have many questions. One of the most common areas of concern and misconception is when it comes to assets.

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What Bankruptcy Can’t Do

Today with many options available for purchasing things on credit, it can be easy for finances to get out of control. Then you constantly feel like you’re taking two steps forward and one step back! There is no shame in turning to bankruptcy, especially when your debts are ruling your life. In fact bankruptcy is a tool to pursuing financial freedom, and is there to help people like you get a fresh start financially.

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Bankruptcy and Marriage

Whether you’re getting married soon or you already are married, you might be wondering how bankruptcy works with marriage.

Maybe years ago you maxed out your credit cards for a wedding, thinking you could pay them off, or life brought on a hard time and you had to rely on cards and loans to get through it, but now you’re drowning in monthly payments. Even if one spouse came into marriage with a mountain of debt while the other has none, it can be difficult to manage and keep up with the payments. Your life and your marriage don’t need that added financial stress, but then the question is, how does marriage affect filing for bankruptcy?

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Is Bankruptcy For Me?

If you are struggling to stay afloat financially, it can be hard to believe there might be any kind of relief. You might be living paycheck to paycheck, picking and choosing which bills to pay and which ones to let go past due. Then the late fees start piling up and it feels like you can’t make any headway! I’m here to tell you there is relief from this stress.

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Bankruptcy and Foreclosure

If you’re already weighed down by finances and now facing foreclosure, bankruptcy may help keep you in your home and get you back on track!

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Chapter 7 vs. Chapter 13 - What’s Right For You?

If you’ve found yourself here, you’re probably seriously considering bankruptcy. While it may seem like an intimidating process, it’s actually a helpful tool meant to put you in good financial standing.


You might also be asking yourself which type of bankruptcy is right for you and your financial situation. I have worked as a bankruptcy attorney for nearly two decades, and I specialize in both Chapter 7 and Chapter 13 filings. Both types can serve you well depending on what kinds of debt you have as well as your income level. Let’s have a look at these types of bankruptcy.

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Four Bankruptcy Myths

Although it is a tool to help alleviate heavy financial burdens, bankruptcy is often treated as a dirty word. It’s also quite misunderstood. There are many things people believe about bankruptcy that simply aren’t true. I’ll debunk a few of the myths surrounding the process and hopefully help put your mind at ease if you’re considering this path to financial freedom.

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Thinking about Bankruptcy? Don't worry, Help is Here

Are you facing financial troubles? Don’t worry. No really: don’t worry. I’ve been helping people climb out from under their financial situations for decades. I understand the difficulties a person faces when bills mount and income doesn’t. There are many, many different reasons that a person can arrive in a situation like that. I know this. But regardless of how you got here, I can help you with your next step.

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