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Chapter 13 · Phoenix, Arizona
Chapter 13 is usually a three-to-five-year repayment plan. A Phoenix consultation looks at your budget and secured debts.
What this page covers
What a Chapter 13 consultation covers.
A website cannot calculate your plan payment. That number comes from your income, allowed expenses, and what the Bankruptcy Code requires the plan to pay. This page is general information about bankruptcy, not advice about your case.
- Regular income and the monthly budget you can describe
- Mortgage, car, or tax arrears you want to ask about
- Why a plan is often three or five years
- The consultation fee and how to send records later, securely
Bankruptcy FAQ
Questions, answered carefully.
What is Chapter 13 bankruptcy?
Chapter 13 is a repayment plan. You propose payments to a trustee, usually for three to five years, from regular income. It is sometimes used to catch up on secured debts such as a mortgage or car loan. Whether that is available depends on your budget and the Bankruptcy Code.
How long does a Chapter 13 plan last?
Most Chapter 13 plans last three or five years. The length depends on income compared with the state median and on what the plan must pay. Morgan Law does not estimate a payment from a website form. That figure comes from a consultation and the documents the firm asks you to provide securely.