The Basics of Chapter 13

Filing Chapter 13 is very simple. After your case is filed with the court, you will go with your attorney to the office of the trustee. This meeting takes place about six weeks after your case is filed and is very informal. The purpose of the meeting is for a trustee to go over your case to make sure the plan that we have filed on your behalf is workable. Assuming that the trustee recommends your plan-and he/she almost always does-your case will be set for confirmation in front of a judge. You do not need to be present in court for your confirmation hearing-we will be there for you. Then, all you need to do a make your monthly payment to your trustee. If you prefer, we can arrange for your payment to be automatically deducted from your paycheck.

What can I include in the Chapter 13?:

Basically, everything, including:

  • Parking tickets
  • Medical bills
  • Repossessions (deficiency balances)
  • Student loans
  • Store accounts
  • Credit card accounts
  • Personal or cash loans
  • Health club memberships
  • IRS/IDR debts
  • Magazine/Video subscriptions
  • Past due association fees
  • Toll Fees
  • Past due water bills
  • Timeshares
  • Past due real estate tax payments
  • Past-due utility bills

Contact Us

No matter which avenue you decide to pursue, The Chicago Chapter 13 bankruptcy lawyers at the Law Office of Stuart B. Handelman can make the process simpler, less intimidating and as painless as possible for you. We are ready to help you move forward and regain your sense of security. Contact us at 312-360-0500 to discuss your concerns with an attorney today.