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May 2019 Archives

A breakdown of Chapter 13 repayment plans

Chapter 13 bankruptcy is a versatile and flexible debt-relief tool that allows many individuals, or married couples, to achieve meaningful debt relief. While many confuse the Chapter 13 repayment plan with debt consolidation programs or similar schemes, the repayment plan allows people to reorganize their debt through a reasonable budget. Consumers are not necessarily required to repay all of their outstanding debt during the course of the plan. Many repay far less than their overall debt. Each case is unique. However, these plans require great attention to detail and sometimes complex legal guidelines. That is why working with a skilled lawyer is important.

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