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Understanding the Chapter 13 bankruptcy filing process

If you are dealing with overwhelming debts, you have probably looked into all of the possible debt relief options available to you. Many debtors arrive at the conclusion that filing for bankruptcy is the best way to ensure a debt-free life in the long term. However, they are often confused about which chapter they should file for and what the process involves.

If you are considering filing for Chapter 13 bankruptcy, it is important that you look into what the process entails. Chapter 13 bankruptcy tends to require an investment of time in comparison to other chapters; however, this proves to be worthwhile for many.

What is the filing process for Chapter 13 bankruptcy?

There are several hurdles that you will have to face before filing for Chapter 13 bankruptcy. First and foremost, you will be required to undergo credit counseling from an approved agency in the 180 days before you file.

You will also need to provide a large amount of paperwork that gives information about your income and debts. This should include a list of creditors, a recent tax return, your monthly living expenses and all the property that you own.

When you have completed both of these steps, you will be able to file for Chapter 13 bankruptcy. This will involve paying the associated fees and committing to submitting a debt repayment plan within 14 days of making the initial filing.

If you want to choose the best way to solve your debt problems, it is important that you look into different bankruptcy chapters and apply their pros and cons to your situation.

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3339 Taylorsville Road
Louisville, KY 40205

Phone: 502-785-8549
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