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Chapter 13 · Phoenix, Arizona
A repayment plan, usually three or five years. Morgan Law in Phoenix reviews budget and secured debts in a consultation, not from a web form.
What this page covers
What the consultation reviews.
A useful discussion connects the bill in front of you with your ongoing income. The firm will say what additional records are required before anyone discusses a course of action. This page is general information about bankruptcy, not advice about your case.
- Monthly income and necessary expenses
- Secured debts and arrears you want to ask about
- Why plan length is often three or five years
- Fee, timing, and how records are sent securely
Bankruptcy FAQ
Straight answers.
What is Chapter 13 bankruptcy?
Chapter 13 is a repayment plan. You propose payments to a trustee, usually for three to five years, from regular income. It is sometimes used to catch up on secured debts such as a mortgage or car loan. Whether that is available depends on your budget and the Bankruptcy Code.
How long does a Chapter 13 plan last?
Most Chapter 13 plans last three or five years. The length depends on income compared with the state median and on what the plan must pay. Morgan Law does not estimate a payment from a website form. That figure comes from a consultation and the documents the firm asks you to provide securely.