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A Chapter 13 Can Influence an Individual to Start Budgeting their Expenses

If you get rid of a credit card, you may get rid of the “Let me just swipe this and I can buy that fancy thing” mentality, and you actually have to pay cash.

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A Debit Card Can be Used During a Bankruptcy as Opposed to a Credit Card

Some people say “Oh, no”. You know I need a credit card.

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A Chapter 13 Bankruptcy Lasts for 5 Years and in that Duration the Credit is Frozen

So what are some items of misinformation that you have to dispel from time to time with the people that have concerns with credit issues?

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The Plan Payment is the Primary Differentiating Aspect Between a Chapter 7 and a Chapter 13

The plan payment does. In Chapter 7, there is no payment.

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A Car Creditor Can Repossess a Vehicle While a Bankruptcy is Pending

We save people a lot of money by including their cars in the bankruptcy plan, not only from interest rate savings but from the low monthly plan payments, which are lower than what their car payments were.

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Remedial Measures For Car Payment Debts in a Chapter 13 Bankruptcy

So, what if someone simply has a lot of things to pay where car payments are what ended up getting him to that debt?

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It is Important to Prioritize the Debts and Keep Track of Returns Filed

It’s important to know what debt is priority and what debt is non-priority.

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Chapter 13 Bankruptcy is Applicable on Back Taxes Owed to the Federal Government

What about back taxes that are owed to the IRS? Would Chapter 13 protect against that?

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Utilize Chapter 13 to Get Mortgage Payments Accepted by the Lender

The lender actually won’t accept payments from you?

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A Bankruptcy Allows an Individual to Settle the Arrears by Spreading them out over a 5 Year Period

The requirement of Chapter 13 is that you resume your pre-default regular monthly mortgage payments beginning in the month after we file for you.

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