{"id":449,"date":"2022-07-05T03:40:16","date_gmt":"2022-07-05T03:40:16","guid":{"rendered":"https:\/\/evanslawonline.com\/?page_id=449"},"modified":"2024-02-07T20:15:40","modified_gmt":"2024-02-07T20:15:40","slug":"chapter-13-2","status":"publish","type":"page","link":"https:\/\/evanslawonline.com\/bankruptcy-2\/chapter-13-2\/","title":{"rendered":"Chapter 13"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"449\" class=\"elementor elementor-449\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6f8582d elementor-section-full_width elementor-section-height-min-height elementor-section-height-default elementor-section-items-middle\" data-id=\"6f8582d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0a10d70\" data-id=\"0a10d70\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3845d0b elementor-widget elementor-widget-heading\" data-id=\"3845d0b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Chapter 13<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3f9258 elementor-widget elementor-widget-heading\" data-id=\"f3f9258\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\">\u201cLet Us Navigate the Law for You, Stop Worrying and Take the Stress Off . . . \u201c<gwmw style=\"display:none;\"><\/gwmw><\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb350e4 elementor-widget elementor-widget-button\" data-id=\"eb350e4\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/our-firm\/our-offices\/#contactUs\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Let's Talk<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-909f3cb elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"909f3cb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e3376aa\" data-id=\"e3376aa\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-662ab68 elementor-widget elementor-widget-heading\" data-id=\"662ab68\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">A Fresh Start<gwmw style=\"display:none;\"><\/gwmw><\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d48322e elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"d48322e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-cf2e1dc\" data-id=\"cf2e1dc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6875491 elementor-widget elementor-widget-heading\" data-id=\"6875491\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Chapter 13 is the super discharge chapter<gwmw style=\"display:none;\"><\/gwmw><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80fff66 elementor-widget elementor-widget-text-editor\" data-id=\"80fff66\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The two most common forms of bankruptcy are Chapter 7 and Chapter 13. Chapter 7 bankruptcy is designed to completely discharge most forms of consumer and business debt with a lower level of bankruptcy discharge. Chapter 13 has a higher level of discharge and a longer list of positive attributes when considering the overall effect and outcome of this chapter. Chapter 13 has historically been known as the Super Discharge. The length of the repayment plan is typically 36 to 60 months, but at times the term is less. After the successful completion of your Chapter 13 case, the bankruptcy court issues a discharge to give the Debtor the fresh start sought. To be eligible for Chapter 13 bankruptcy, a Debtor must have monthly income that can support a minimal monthly plan payment.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-60e16c3 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"60e16c3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-86d7475\" data-id=\"86d7475\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f23b79 elementor-widget elementor-widget-heading\" data-id=\"2f23b79\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Benefits Of Chapter 13 Bankruptcy<gwmw style=\"display:none;\"><\/gwmw><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96a6d87 inner-content elementor-widget elementor-widget-text-editor\" data-id=\"96a6d87\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A Chapter 13 bankruptcy may enable you to:<\/p><ul><li>Gain additional time to repay your debts<\/li><li>Discharge all or a portion of your debts<\/li><li>Stop\u00a0 foreclosure<\/li><li>Strip a second home mortgage lien<\/li><li>Stop\u00a0 a wage garnishment<\/li><li>Stop an auto repossession<\/li><li>Assist with tax related problems ( discharge tax debt )<\/li><li>Reorganize your business or personal affairs<\/li><li>Obtain other critical debt relief<\/li><li>Remove judgment liens<\/li><li>Reinstate mortgage debt<\/li><li>Assist with mortgage modifications<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-20ef4ba\" data-id=\"20ef4ba\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d9ebdaa elementor-widget elementor-widget-image\" data-id=\"d9ebdaa\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"728\" height=\"538\" src=\"https:\/\/evanslawonline.com\/wp-content\/uploads\/2022\/07\/chapter-13-img.png\" class=\"attachment-large size-large wp-image-451\" alt=\"\" srcset=\"https:\/\/evanslawonline.com\/wp-content\/uploads\/2022\/07\/chapter-13-img.png 728w, https:\/\/evanslawonline.com\/wp-content\/uploads\/2022\/07\/chapter-13-img-300x222.png 300w\" sizes=\"(max-width: 728px) 100vw, 728px\" style=\"width:100%;height:73.9%;max-width:728px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-b877486 elementor-widget elementor-widget-text-editor\" data-id=\"b877486\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>People with significant income or assets who may be ineligible for Chapter 7 bankruptcy may still be eligible for Chapter 13 relief. Another significant difference between Chapter 7 and Chapter 13 bankruptcy is that property is not subject to being sold by a Trustee in a Chapter 13 bankruptcy.<\/p><p>\u00a0<\/p><p>Fortunately, bankruptcy exemptions enable many individuals who file for Chapter 7 bankruptcy to protect most, if not all of their property. If you have significant assets that could be exposed to liquidation in a Chapter 7 bankruptcy, a Chapter 13 bankruptcy may be your best option for obtaining debt relief.<\/p><p>\u00a0<\/p><p>Our attorneys can provide the information you need to make an informed decision about which type of bankruptcy (if any) is best suited to meet your needs. We also assist clients with debt settlements and other debt relief services.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3f64ddc elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"3f64ddc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-15b3e2c\" data-id=\"15b3e2c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ad96530 elementor-widget elementor-widget-template\" data-id=\"ad96530\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"1145\" class=\"elementor elementor-1145\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-06c2438 elementor-section-full_width elementor-section-height-min-height elementor-section-height-default elementor-section-items-middle\" data-id=\"06c2438\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c0735f5\" data-id=\"c0735f5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-84e4068 elementor-widget elementor-widget-heading\" data-id=\"84e4068\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Call Us Today For A Free Consultation<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b91183 elementor-widget elementor-widget-text-editor\" data-id=\"5b91183\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>We serve clients throughout Northern California. To schedule a free consultation with bankruptcy or family law lawyer at our firm, call <strong>(<a class=\"secLink\" href=\"tel:4082988910\">408) 298-8910<\/a><\/strong> or <strong>(<a class=\"secLink\" href=\"tel:8319988144\">831) 998-8144<\/a><\/strong> or <strong><a class=\"secLink\" href=\"tel:9169952750\">(916) 995-<\/a><\/strong><strong>2750<\/strong> contact us by <a class=\"secLink\" href=\"https:\/\/riftofheroes.com\/programming\/evans-law\/our-firm\/our-offices\/#contactUs\"><strong>email<\/strong><\/a>. Evening and weekend appointments are available upon request.<\/p><p>We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-551f4d1\" data-id=\"551f4d1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-311dfa7 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"311dfa7\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/our-firm\/our-offices\/#contactUs\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SCHEDULE YOUR APPOINTMENT<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Chapter 13 \u201cLet Us Navigate the Law for You, Stop Worrying and Take the Stress Off . . . \u201c Let&#8217;s Talk A Fresh Start Chapter 13 is the super discharge chapter The two most common forms of bankruptcy are Chapter 7 and Chapter 13. Chapter 7 bankruptcy is designed to completely discharge most forms&hellip; <a class=\"more-link\" href=\"https:\/\/evanslawonline.com\/bankruptcy-2\/chapter-13-2\/\">Continue reading <span class=\"screen-reader-text\">Chapter 13<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":327,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Chapter 13 - Evans Law Offices<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/evanslawonline.com\/bankruptcy-2\/chapter-13-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Chapter 13 - Evans Law Offices\" \/>\n<meta property=\"og:description\" content=\"Chapter 13 \u201cLet Us Navigate the Law for You, Stop Worrying and Take the Stress Off . . . \u201c Let&#8217;s Talk A Fresh Start Chapter 13 is the super discharge chapter The two most common forms of bankruptcy are Chapter 7 and Chapter 13. 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