Chapter 7 & 13 Packages

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Commonly Asked Questions about Chapter 7 & 13 Packages

Can creditors come after you after Chapter 13?

Creditors provided for in full or in part under the chapter 13 plan may no longer initiate or continue any legal or other action against the debtor to collect the discharged obligations.

What is Chapter 13 and Chapter 7?

The biggest difference between Chapter 7 and Chapter 13 is that Chapter 7 focuses on discharging (getting rid of) unsecured debt such as credit cards, personal loans and medical bills while Chapter 13 allows you to catch up on secured debts like your home or your car while also discharging unsecured debt.

What happens after you make your final Chapter 13 payment?

After Plan Completion: After all payments have been completed, the Chapter 13 Trustee will file a Motion to Return any Excess Funds to Debtor and to Terminate any Payroll Deduction by Employer. If the Motion is granted, the Court will enter an order granting the motion and issue two notices.

What are the final steps on Chapter 13?

Timeline of the End of Your Chapter 13 Trustee Audit. Trustees Motion to Deem Mortgage Current (If Necessary) Notice of Completion of Plan. Motion for Entry of Discharge. Steps to Completing Your Motion for Entry of Discharge. What Your Discharge Means. Final Step: Final Decree (Case Closed) and Freedom!

How do you know when your Chapter 13 is over?

Your Chapter 13 bankruptcy case is officially closed when the court issues a final decree. This usually occurs after youve completed your repayment plan, submitted your final paperwork, and received a bankruptcy discharge order.

Is Chapter 7 a good option?

If it feels like youre drowning in debt and there is no rescuing the situation in the next five years, Chapter 7 bankruptcy is a choice to seriously consider. Not having the weight of so many financial responsibilities dragging you down every day is a relief you cant find elsewhere.

How long does Chapter 13 stay on a credit report?

Chapter 13 bankruptcy This bankruptcy type allows people with regular income to develop a repayment plan for part or all their debt. Chapter 13 bankruptcy is typically removed from your credit report seven years after the date you filed, and this is done automatically.