Chapter 13 Bankruptcybankruptcy law icon

Are you thinking about filing for bankruptcy in order to get a fresh start for your financial life? To begin you’ll want to know the difference between the two most common types of bankruptcy filing for individuals – Chapter 7 bankruptcy and Chapter 13 bankruptcy.

Chapter 13 bankruptcy requires the debtor to make payments over a period of time between thirty-six (36) and sixty (60) months.  Chapter 13 is most commonly used to assist debtors in saving an asset. For instance, Chapter 13 bankruptcies are often called the “save the house” bankruptcy. This means that if a debtor has fallen behind on his/her mortgage payments he/she can repay the mortgage arrearage through his/her Chapter 13 plan over thirty-six (36) to sixty (60) months. This makes the option of retaining one’s house affordable and realistic for many people. A similar plan can also be worked out for  auto arrearages and tax obligations.

Have questions about bankruptcy? Want to find out if filing for bankruptcy is the right move for you? Get the legal advice you need from local Harrisburg attorneys who specialize in bankruptcy law.



Daley Zucker is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The information provided here is general and should not be substituted for the advice and counsel of an attorney.

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Steven P. Miner