What To Expect When Filing Chapter 13 Bankruptcy

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Filing Chapter 13 Bankruptcy provides you with the ability to completely reorganize your debts. This chapter allows you to create a payment structure in which you can pay your debts off quickly and without difficulties. A judge can discharge a portion of these debts based on the guidelines for discharge. To discover how effective Chapter 13 bankruptcy is and how it will help you.

What to Expect During Bankruptcy

First and foremost, once your bankruptcy claim is established through a hearing, you are not allowed to purchase any new items on credit. This restriction prevents you from incurring new debts until you have successfully paid off the debts listed in your bankruptcy claim. This does not imply that your credit is no longer valid, it is simply a stipulation added to your case.

Your creditors have the legal right to attend the hearing. During the hearing each creditor has the chance to agree to the terms of the bankruptcy or refuse inclusion into the claim. Some creditors may additionally offer a settlement to collect on the debt instead of allowing you to include it in your claim.

Local Bankruptcy Attorney

Rapa Law Office PC assist clients with bankruptcy claims. These claims allow clients to prevent further action by collection agencies. Through this process, you eliminate harassing phone calls from these agencies. If you choose to file bankruptcy, these attorneys help you by devising careful strategies that allow you to receive effective debt-relief. Through Chapter 13, these attorneys help you reorganize your debts in a manner that is beneficial to you.


Filing Chapter 13 Bankruptcy has its own share of benefits. The first is that this process allows you to reorganize your debts. This reorganization provides you with the opportunity to pay one smaller payment instead of several to eliminate your debts. A judge presiding over your case may discharge any debts that are eligible before your bankruptcy hearing is concluded. You are not responsible for repayment of any debts that are discharged.