Chapter 13

Why Chapter 13 is So Nifty

Chapter 7 is short and sweet and to the point. It often gets what you need—a discharge (a legal write-off) of all or almost all of your debts. But in SO many situations, Chapter 13 gives you so much more.  A couple blogs ago I showed a simple Chapter 13 case works. In my example, […]

A Simple Chapter 13 Case

If you have debts that can’t be written off (“discharged”) in a “straight” Chapter 7 case, such as back child support or recent income taxes, Chapter 13 can be a much better alternative. A couple blogs ago I wrote about the discharge of debts under Chapter 7. I ended by saying that if you have […]

The Trustee in Chapter 13

In Chapter 13 the trustee is a gate-keeper, overseer, and payment distributor. Quite different than in Chapter 7.

Keeping Everything You Own Through Chapter 13 Bankruptcy

One good reason that people filing Chapter 7 don’t lose any of their stuff to the bankruptcy trustee—if they did have something to lose, they would likely have filed a Chapter 13 instead. How does Chapter 13 protect what you’d otherwise lose in a Chapter 7 “straight bankruptcy”? As I said at the beginning of […]

The Simplest Save-Your-Business Chapter 13 Case

Here’s how to focus on running your business, by stopping your creditors from taking the wind out of your sails. In the last few blogs I’ve been talking about some of the extra considerations that come into play when you own a business, are having financial troubles, and wonder if bankruptcy can help. No question—most […]

Basic Rules about Business Bankruptcy

If your business needs bankruptcy help, getting it done might not be much harder than a personal bankruptcy. But it depends on how your business is set up and how much you owe.   A few blogs ago I said that I would soon explain some of the most important benefits of filing a business […]

Chapter 13 Conquers Both Older and Newer Income Taxes

If you owe a number of years of income tax debt, Chapter 13 allows you to favor those taxes that have to be favored, while dumping the taxes that can be dumped. In my last blog I gave an example showing how Chapter 13 can be an extremely good way to handle income tax debts […]

Chapter 13 Tames Your Income Tax Monster

A “straight” Chapter 7 can write off some income taxes. But if you owe recent taxes, or multiple years of taxes, Chapter 13 is usually a much better way to go. It often provides tremendous advantages over both Chapter 7 and dealing with the IRS on your own. I’ll illustrate this with an example, and […]

The Costs and Benefits of Surrendering Collateral in Chapter 13

Chapter 13 buys you flexibility when you want to keep your home or vehicle, but might need to surrender it after all. But it’ll cost you.

Power to Keep Your Vehicle, Appliances, and Other Collateral

If you want to hold onto your vehicle, or other collateral, Chapter 13 makes it happen.

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