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Chapter 13 Bankruptcy, By Douglas Fanning by Douglas Fanning





Chapter 13 Bankruptcy, By Douglas Fanning by
Article Posted: 09/24/2012
Article Views: 558
Articles Written: 399
Word Count: 314
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Chapter 13 Bankruptcy, By Douglas Fanning


 
Advice,Law,Free Web Resources

While filing for bankruptcy, there are several codes, which an individual can file under. One such chapter is 13, which allows the debtor to keep property and pay the debt off over time.

The debt is usually paid over a three to five year period. This chapter is usually chosen by those who have a regular income and who do not wish to deal with the new laws of chapter 7 bankruptcy codes.

Also known as the wage earners plan, chapter 13 bankruptcies enable debtors to pay off part of the debt they have incurred.

While it is not as good as being able to work something out with your creditors and arrange payments individually or through a debt consolidator, it does show some financial responsibility and the debtor’s willingness to make up for their mistakes.all these articles written by Douglas Fanning.

Chapter 13 bankruptcies act as sort of a consolidation loan in itself. Because the debtor is making payments on the owed monies, it does not have such a bad impact on the credit reports. But the individual does not have direct contact with the creditors and payments are distributed amongst them.

To be eligible for the Chapter 13 bankruptcy an individual, even if self-employed must have an unsecured debt of under $307,675 and secured debts must be under $922,975.

No debtor may file for chapter 13, or any bankruptcy chapter during the preceding 180 days of a previous bankruptcy petition was dismisses.

There are fees that must be paid also when filing for bankruptcy, even the chapter 13 code. The courts charge a $235 case filing fee and a $39 miscellaneous administrative fee. These fees must be paid when filing unless with the courts permission, it can be paid in installments. But some these fees are different in differents states, may acure. .Think of the future link may help..

Related Articles - Chapter 13 Bankruptcy, filing for bankruptcy, bankruptcy,

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