Contact now for a free consultation:
(201) 355-0054



Chapter 13 Bankruptcy provides an immediate avenue to restructures your debts  

Filing a Chapter 7 Bankruptcy provides immediate relief from bill collectors by stopping any collection activity.

What is the goal of a Chapter 13 Bankruptcy? 

Chapter 13 is intended to give you the chance (and the necessary time) to restructure and repay your debts.

Can anyone file for a Chapter 13 Bankruptcy? 

While anyone can file for Chapter 13 Bankruptcy, not everyone qualifies to have a proposed plan confirmed. If you do not qualify, your case can be dismissed without a discharge or can be converted to a Chapter 7 bankruptcy. If your income is above the cutoff for Chapter 7 , then you will likely need to file under Chapter 13.

How does a Chapter 13 Bankruptcy affect a foreclosure?

Many homeowners have been turned down for a loan modification or simply cannot catch up on mortgage payments after a temporary hardship has been resolved. A Chapter 13 bankruptcy, by allowing you to proposed a repayment plan, can act similarly to a loan modification and stop a foreclosure permanently. By breaking arrears up into 60 payments, it affords you the chance to finally catch up and eliminate the danger of a foreclosure. Whether a Chapter 13 makes sense for a homeowner depends on many factors. It is very important for your attorney to truly understand the foreclosure process and work with you to develop a plan that can work for you.  

What are the steps in a Chapter 13 Bankruptcy?


Filing of Petition

Plan Proposal and Beginning of Payments



Making Payment as Called for by Your Plan

Please contact us for more information regarding bankruptcy options.




151 W. Passaic Street

Rochelle Park, NJ 07662


TEL. (201) 355-0054

© 2023 by HARMONY. Proudly created with Wix.com