Chapter 13

Unlike a Chapter 7 case, a person is not required to go through a means test to file a chapter 13.  Provided a person has regular income to support the payment plan, they will more than likely be able to proceed with a chapter 13.

Some of the reasons a chapter 13 may be filed are:

  • Stop foreclosure on real property
  • Stop repossession of personal property, i.e. vehicles
  • Stop garnishment and levy on non-dischargeable debt such as student loans and tax debt
  • Save non-exempt assets that may be subject to liquidation in a chapter 7 case
  • The individual does not qualify for chapter 7 and is required to pay a portion of their debts back over a three to five year period

Melissa Lanier
800 Rockmead Dr., Suite 220
Kingwood, Texas  77339-1742
Phone: 281.359.0100
Fax: 281.359.3466
Email Melissa