Filing for Chapter 13 bankruptcy can have many benefits:

  • You will repay your debts over three to five years
  • You may be able to remove a second or third mortgage
  • You may be able to cramdown your auto loan
  • You may be able to save your home from foreclosure
  • You can put an immediate end to creditor harassment
  • You can stop interest, late fees, and penalties from accruing
  • You can see a light at the end of the tunnel – meaning that your debt will be wiped out in either three or five years

Stop Foreclosure Through Chapter 13


Chapter 13 bankruptcy allows you to reorganize your debts so that you can avoid repossession and / or foreclosure. If you are receiving foreclosure notices or you have fallen behind on your mortgage, Chapter 13 is a powerful tool to help you regain control. The moment you file for bankruptcy, an automatic stay is put into place, which halts foreclosure proceedings and other debt collection methods.

Chapter 13 Bankruptcy Timeline

Thirty-Six or Sixty Month Payment Plans


STEP 1

Contact JPPLAW; speak with Attorney Jason P. Provinzano, and establish a game plan

STEP 2

Complete an at-home credit counseling course, which takes about an hour

STEP 3

Your case is filed and the automatic stay goes into effect – no more creditor harassment

STEP 4

We submit your Chapter 13 Plan (repayment plan) to the Bankruptcy Court for approval

STEP 5

30-45 days after your case is filed, we go to the bankruptcy 341(a) meeting (not scary at all)

STEP 6

A confirmation hearing will be held 30-45 days after your bankruptcy 341(a) meeting (you don’t attend)

STEP 7

Complete an at-home debtor education course, which takes about two hours

STEP 8

Once your thirty-six or sixty month payment plan is complete, all remaining debt will be discharged

Am I Eligible for Chapter 13 Bankruptcy?


Unlike Chapter 7 bankruptcy, you are not required to qualify under the “means test” in order to file for Chapter 13 bankruptcy; however, in order to qualify for Chapter 13, you must have sufficient income to meet your repayment obligations – in other words, your repayment plan must be feasible.

You can use income from any of the following to fund your Chapter 13 bankruptcy:

  • Wages / Salary from Your Job
  • Income from Self-Employment
  • Social Security Benefits
  • Household Contributions
  • Workers’ Compensation Benefits
  • Unemployment Benefits
  • Welfare Benefits
  • Child Support or Spousal Support
  • Proceeds from Property Sales

Schedule Your Free Consultation to Get Started Today!


Take the first step and contact us today! Speak with Attorney Jason P. Provinzano and discover whether or not Chapter 13 bankruptcy is right for you!  You will absolutely feel as if a heavy weight as been lifted once you realize that there is a light at the end of the tunnel.

We have already helped hundreds of individuals and discharged millions of dollars of debt. Find out how we can do the same for you by contacting Chapter 13 bankruptcy lawyer Jason P. Provinzano, who is conveniently located right here in Northeastern Pennsylvania, for a free consultation.

Call us today, 570-822-JPP1, or leave us a message below to get started.

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