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The Chapter 13 Process

When you file for Chapter 13 bankruptcy, the process may not be that easy or quick. Since you will be asking a judge to allow you to repay your debt over the course of three to five years, you will have to go through the bankruptcy process before you are granted a fresh start.

One of the major differences between Chapter 13 and other types of bankruptcies is that you will be asked to create a repayment plan. This is a plan in which you outline your debts and creditors, your current and future income projections, and how you intend to repay your debts over the next five years. Before you can submit your repayment plan for approval, you will be scheduled to appear at a 341 meeting at which your creditors may be present. After this meeting, you will submit your repayment plan to the bankruptcy court for approval.

If your repayment plan is approved by a judge, you will be ordered to begin making your payments to an appointed bankruptcy trustee. The trustee will be responsible for making sure your creditors are paid in accordance to your approved repayment plan.

Considering Chapter 13 in Illinois? If so, contact a Chicago Chapter 13 attorney from our law office now to seek legal assistance, advice and representation throughout the duration of your case.
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The information on this website is for general information purposes only. Nothing on should be taken as legal advice for any individual case or situation.

Main Office: 123 W. Madison Street, Suite 205 Chicago, IL 60602
Phone Number: (312) 427-3100