Chapter 13 Bankruptcy Attorneys Across the United States
Repayment plan bankruptcy that lets you keep assets while restructuring debt over 3–5 years. Find a verified Chapter 13 attorney near you — free consultations available.
What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy — known as a wage earner's plan — allows individuals with regular income to reorganize their debts into a court-approved repayment plan lasting 3 to 5 years. Unlike Chapter 7, you keep all of your property while catching up on missed mortgage payments, car loans, and other secured debts. At the end of the plan, remaining eligible unsecured debts are discharged. Chapter 13 is particularly powerful for stopping foreclosure and saving your home.
Who Qualifies for Chapter 13?
- Individuals with regular income (wages, salary, self-employment, Social Security)
- Homeowners who are behind on mortgage payments and want to stop foreclosure
- People with secured debts (car loans, mortgages) they want to keep
- Those whose unsecured debts are below $465,275 and secured debts below $1,395,875 (2024 limits)
- Individuals who do not qualify for Chapter 7 due to income
Chapter 13 — Key Facts
- Plan Duration
- 3–5 years
- Court Filing Fee
- $313
- Typical Attorney Fee
- $3,000–$6,000
- Credit Report Impact
- 7 years
- Foreclosure Protection
- Yes (automatic stay)
- Asset Retention
- Keep all property
Ready to speak with a Chapter 13 attorney?
The Chapter 13 Process — Step by Step
Credit Counseling
Complete a required credit counseling course within 180 days before filing.
File Petition & Repayment Plan
Your attorney files the bankruptcy petition along with a proposed 3–5 year repayment plan showing how you will pay creditors.
Automatic Stay
Filing immediately stops foreclosure, repossession, wage garnishment, and all collection activity.
Plan Confirmation Hearing
The bankruptcy judge reviews and confirms your repayment plan, typically within 45 days of filing.
Make Plan Payments
You make monthly payments to a Chapter 13 trustee who distributes funds to creditors according to the plan.
Discharge
After completing all plan payments (3–5 years), remaining eligible unsecured debts are discharged.
Chapter 13 Bankruptcy Attorneys — Nationwide
5,720 attorneys foundKwei Kwong Lau
Kwei Kwong Lau is an attorney based in Providence, Rhode Island, dedicated to assisting individuals and businesses with their financial challenges. He focuses his practice exclusively on bankruptcy law, guiding clients through Chapter 7, Chapter 11, and Chapter 13 proceedings. Mr. Lau helps clients navigate the complexities of bankruptcy to achieve a fresh financial start.
Matthew David Wild
Based in Warwick, Rhode Island, Matthew David Wild provides dedicated legal representation in bankruptcy matters. He focuses his practice on guiding individuals and businesses through Chapter 7, Chapter 11, and Chapter 13 bankruptcy proceedings. Mr. Wild is committed to helping his clients navigate complex financial challenges and achieve lasting relief.
Domingo G. Genao
Domingo G. Genao is an attorney based in Providence, Rhode Island, focusing his practice on bankruptcy law. He represents individuals and businesses in Chapter 7, Chapter 11, and Chapter 13 bankruptcy proceedings. Mr. Genao is dedicated to guiding clients through complex financial challenges to help them achieve lasting financial relief.
Jose A Guerrero
Jose A. Guerrero is a bankruptcy attorney based in Coral Gables, Rhode Island, where he assists individuals and businesses with complex financial challenges. He focuses his practice on all aspects of bankruptcy law, including Chapter 7, Chapter 11, and Chapter 13 proceedings. Mr. Guerrero is dedicated to guiding his clients through the bankruptcy process to achieve a fresh financial start.
Kristen Forbes Cuddy
Kristen Forbes Cuddy is an East Greenwich, Rhode Island attorney dedicated to guiding individuals and businesses through complex financial challenges. Focusing her practice on bankruptcy law, she provides comprehensive legal services in Chapter 7, Chapter 11, and Chapter 13 proceedings. Kristen helps clients navigate the bankruptcy process to achieve a fresh financial start.
Eric Peter Chase
Eric Peter Chase is a dedicated bankruptcy attorney based in Boston, Rhode Island, representing individuals and businesses facing financial challenges. He focuses his practice on Chapter 7, Chapter 11, and Chapter 13 bankruptcy proceedings. Mr. Chase guides clients through the complexities of bankruptcy law to help them achieve financial relief and a fresh start.
Delia C. Guerrero
Delia C. Guerrero is an East Greenwich, Rhode Island attorney dedicated to guiding individuals and businesses through complex financial challenges. She focuses her practice on Chapter 7, Chapter 11, and Chapter 13 bankruptcy proceedings. Ms. Guerrero assists clients in navigating the legal process to achieve financial relief and a fresh start.
Robert Ted Brown
Robert Ted Brown is an independent attorney based in East Greenwich, Rhode Island, focusing his practice exclusively on bankruptcy law. He represents individuals and businesses in Chapter 7, Chapter 11, and Chapter 13 bankruptcy proceedings. Brown is dedicated to guiding his clients through complex financial challenges to achieve a fresh start and lasting financial relief.
Gary Joseph Alarie
Gary Joseph Alarie is a bankruptcy attorney based in Providence, Rhode Island, focusing his practice on Chapter 7, Chapter 11, and Chapter 13 bankruptcy cases. He represents individuals and businesses seeking to navigate complex financial challenges. Mr. Alarie is dedicated to guiding clients through the bankruptcy process to achieve financial relief and a fresh start.
Ussumane Boque
Ussumane Boque is an attorney practicing in East Greenwich, Rhode Island, focusing on bankruptcy law. He assists individuals and businesses with Chapter 7, Chapter 11, and Chapter 13 bankruptcy filings. Mr. Boque is dedicated to guiding his clients through complex financial challenges to achieve lasting relief.
Patrick Conway
Patrick Conway is a dedicated bankruptcy attorney practicing in Salem, Rhode Island, where he focuses on guiding individuals and businesses through complex financial challenges. He provides comprehensive legal representation in Chapter 7, Chapter 11, and Chapter 13 bankruptcy proceedings. Mr. Conway is committed to helping his clients achieve effective financial relief and a fresh start.
Tracy Marie Ventura
Tracy Marie Ventura is an independent attorney based in East Greenwich, Rhode Island, focusing her practice on bankruptcy law. She provides comprehensive legal services in Chapter 7, Chapter 11, and Chapter 13 bankruptcy proceedings. Ms. Ventura is dedicated to guiding individuals and businesses through complex financial challenges to achieve lasting relief.
Chapter 13 Bankruptcy Attorneys by State
Browse Chapter 13 attorneys in every state. Click a state to see local attorneys and city-level listings.