Chapter 13 Bankruptcy - Save Your Home
Save Your Home. Consolidate Your Debt.
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Free case review. No obligation.
Why Choose Chapter 13?
It offers powerful protections for your home and assets that Chapter 7 cannot.
Foreclosure Notice
You have received a notice of default or a sheriff's sale date for your home.
Car Repossession
You are behind on car payments and fear losing your vehicle.
Tax Debt
You owe significant back taxes to the IRS or state.
High Income
You make too much money to qualify for Chapter 7 but still need relief.
The Process
From harassment to compensation in three simple steps.
Free Review
We analyze your case at no cost
We File Suit
We take legal action against violators
You Get Paid
Receive compensation for violations
Chapter 13 bankruptcy is a reorganization plan for individuals. It allows you to consolidate your debts into one affordable monthly payment over 3 to 5 years.
This is the most powerful tool available to stop foreclosure. It allows you to catch up on missed mortgage payments over time, rather than having to pay them all at once.
Don't lose your home. We can stop the sale immediately and help you get back on track.
Call for a free consultation: (614) 362-3322
How Chapter 13 Works
Instead of wiping out debt immediately, you propose a repayment plan to the court. You make one monthly payment to a trustee, who distributes the money to your creditors.
- Secured Debts (House/Car): You pay your regular payment plus a catch-up amount.
- Priority Debts (Taxes/Support): These must be paid in full.
- Unsecured Debts (Cards/Medical): You pay what you can afford. Often, this is pennies on the dollar. The rest is discharged at the end of the plan.
Is this happening to you?
You may be entitled to compensation of $500–$1,500 per violation.
Call Us NowThe 'Cramdown' Option
If you owe more on your car than it is worth, Chapter 13 may allow you to "cram down" the loan. This means you only pay back the current market value of the car, not the full loan balance, often at a lower interest rate.
This can save you thousands of dollars and lower your monthly payment significantly.
Protecting Non-Exempt Assets
If you have assets that aren't protected by exemptions (like a second home or expensive boat), Chapter 7 might force you to sell them. In Chapter 13, you can keep them as long as you pay their value into your plan over time.
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