Chapter 13

Chapter 13 Bankruptcy – Reorganize Your Debt and Protect What Matters

If you’re struggling to keep up with bills but want to protect your home, car, and other property, Chapter 13 bankruptcy may be the solution. At Garcia Law, we help clients throughout Chicago and the surrounding suburbs create affordable repayment plans that stop creditor harassment and put them back on track financially.

What Is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy, often called “reorganization bankruptcy,” allows individuals to catch up on past-due payments while keeping their property. Instead of eliminating debt right away, Chapter 13 creates a court-approved repayment plan that lasts 3 to 5 years, after which most remaining unsecured debt may be discharged.

Chapter 13 can help you:

Stop foreclosure and save your home
Catch up on car payments and prevent repossession
Consolidate debts into one manageable monthly payment
Stop lawsuits, wage garnishments, and collection calls
Protect valuable property that might be at risk in Chapter 7

Who Should Consider Chapter 13?

Chapter 13 is often the best option for people who:

Are behind on mortgage or car payments
Do not qualify for Chapter 7 based on income
Want to protect non-exempt property that Chapter 7 could risk
Have tax debts or child support arrears that they need to catch up on

We will evaluate your situation and help you decide whether Chapter 13 or Chapter 7 is the best strategy to protect your finances.

The Chapter 13 Process

Free Consultation & Case Review – We analyze your debts, income, and goals to see if Chapter 13 fits your needs.
Developing Your Repayment Plan – Together, we create a payment plan you can afford, typically based on your disposable income.
Filing Your Case & Automatic Stay – As soon as we file, all collection efforts, foreclosures, and garnishments must stop.
Creditor Meeting & Plan Confirmation – A short meeting with the trustee is followed by court approval of your plan.
Making Payments & Receiving Your Discharge – After completing the 3–5 year plan, remaining eligible debts are wiped out, and you get a true financial fresh start.

Benefits of Filing Chapter 13

Stop foreclosure and repossession immediately
Consolidate debt into one affordable payment
Catch up on mortgage, car, or tax arrears
Protect property that could be at risk in Chapter 7
Eliminate eligible unsecured debts at the end of the plan

Start Protecting Your Home and Your Future

If you’re falling behind on payments but want to keep your property, Chapter 13 bankruptcy may be the solution you’ve been looking for.

Attorney Garcia has helped countless Chicago-area clients reorganize their debt and take back control of their financial future.

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