Chapter 13 Bankruptcy

Chapter 13 bankruptcy allows individuals with regular income to reorganize their debt into a court-approved repayment plan, typically lasting three to five years, rather than liquidating assets. It’s often the right option for homeowners behind on mortgage payments, or for anyone who doesn’t qualify for Chapter 7 but still needs protection from creditors. 

Mitchell St. Louis, P.A. prepares and negotiates Chapter 13 repayment plans designed to fit your budget while protecting the property that matters most to you. 

What we handle:

• Preparing a repayment plan based on your income and expenses
• Structuring a plan to catch up on mortgage or car loan arrears 
• Negotiating with creditors and the trustee over plan terms 
• Representing you at confirmation hearings 
• Monitoring the plan through completion and discharge 

Why it matters:

Filing Chapter 13 immediately stops foreclosure and repossession while the plan is in effect, giving you a structured way to catch up on what’s owed without losing your home or car. 

Contact Mitchell St. Louis, P.A. today to schedule a consultation about a Chapter 13 repayment plan.