Chapter 13 bankruptcy allows debtors with regular income to adjust or discharge eligible debt through a repayment plan similar to debt consolidation. However, the critical difference is that after a chapter 13 bankruptcy concludes, the remaining eligible debt is discharged.

Under this chapter of the bankruptcy code, the repayment plans consist of monthly installments for a period of three to five years depending on the debtor’s circumstances. Generally speaking, the plan will be three years if the debtor’s monthly income is below the state’s median income. Otherwise, the repayment plan will last five years. During the repayment plan, collection activity is automatically suspended.

Protect Assets.

Chapter 13 is an option when debtors need to protect equity exceeding the bankruptcy exemptions.

Eliminate Debt.

After successful completion of the Chapter 13 plan, most types of debt are fully discharged.

Start Over.

Once the troublesome debt is discharged, our clients can start fresh with a brighter financial future.

Advantages of Chapter 13 Bankruptcy


Chapter 13 bankruptcy offers a number of advantages unavailable under chapter 7. Notably, chapter 13 bankruptcy allows debtors to stop foreclosure and retain their home by curing delinquent mortgage payments over time during the repayment plan. It should be noted that debtors are obligated to continue making mortgage payments during the repayment plan.

This type of bankruptcy also allows debtors to retain other secured property (usually automobiles) while possibly lowering the monthly payments.


Chapter 13 Attorneys

Scottsdale Chapter 13 Bankruptcy attorneys

North Scottsdale


16427 North Scottsdale Road
Suite 410
Scottsdale, Arizona
tel (480) 550-8697



Phoenix chapter 13 bankruptcy attorneys

Central Phoenix


2415 East Camelback Road
Suite 700
Phoenix, Arizona
tel (602) 730-6436



Contact Us Today

Contact our Chapter 13 bankruptcy attorneys by telephone, text message, or e-mail to arrange a complimentary consultation to discuss Chapter 13 bankruptcy and other options to manage burdensome debt.