Chapter 13 · Travis County (W.D. Tex.)
Foreclosure Sale Stopped — Home Kept
Filed the day before the sale; $[##,###] in missed payments caught up through the plan.
Texas Chapter 13 Bankruptcy
Behind on Your House or Car? Catch Up on Your Terms.
Chapter 13 stops foreclosure and repossession and gives you 3 to 5 years to catch up under a court-approved plan.
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Chapter 13 Bankruptcy
A Court-Approved Plan to Save Your Home
Chapter 13 is a 3- or 5-year repayment plan approved by the bankruptcy court. You make one monthly payment to the trustee, and the automatic stay protects you from foreclosure, repossession, and collection while you follow the plan.
It is built for people with regular income who are behind on a mortgage or car, owe taxes, have property Chapter 7 wouldn’t protect, or don’t qualify for Chapter 7.
Chapter 13 at a Glance
What a Chapter 13 plan looks like.
3–5 yrs
Plan length
Your income and goals determine whether the plan runs 3 or 5 years.
$313
Court filing fee
Can be paid in installments.
~1 mo
Meeting of creditors (341)
A brief meeting with the trustee, usually about a month after filing.
910 days
Car loan rule
A car bought more than 910 days before filing may qualify for a lower loan balance.
Regular income is required. Federal debt limits apply and are adjusted periodically. Fees are set by the federal courts and can change.
What Chapter 13 Can Do
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1
Stop foreclosure
Filing halts a foreclosure sale. Missed mortgage payments are spread over the plan while you keep making your regular payments.
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2
Stop repossession
The automatic stay stops repossession. For a car bought more than 910 days before filing, the loan may be reduced to the vehicle’s value.
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3
Handle tax debt
Many tax debts can be paid through the plan without the pressure of levies and collection.
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4
Keep non-exempt property
Property Chapter 7 wouldn’t protect can be kept while you pay its value through the plan.
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5
A path when Chapter 7 isn’t an option
If your income is above the means-test limits, or you want to protect a home, Chapter 13 is often the answer.
Who Qualifies for Chapter 13
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1
Regular income
Wages, self-employment, retirement, or other steady income to fund the plan.
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2
Within federal debt limits
Federal debt limits apply and are adjusted periodically. We check the current limits for your case.
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3
Required courses
Credit counseling within 180 days before filing, and a debtor-education course before discharge.
Sample Chapter 13 Results
Chapter 13 · Tarrant County (N.D. Tex.)
Repossession Reversed — Vehicle Returned
Lender returned the client’s truck after filing; payments resumed through the plan.
Chapter 13 · Lubbock County (N.D. Tex.)
Car Loan Reduced to Vehicle’s Value
Balance on a vehicle bought more than 910 days earlier cut by $[#,###].
Chapter 13 · Smith County (E.D. Tex.)
Tax Debt Paid Through the Plan
$[##,###] in tax debt structured into affordable monthly payments; levy released.
Sample results for this demo template. Past results do not guarantee a similar outcome.
What to do right now
Before You File Chapter 13
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01
Know your sale or repo date
Foreclosure and repossession dates are hard deadlines. Call before the date — not after.
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02
Don’t move money or property
Don’t transfer property, pay back family, or empty accounts before filing.
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03
Don’t take on new debt
Avoid new credit and cash advances while you plan your filing.
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04
Gather papers and call
Bring 6 months of pay stubs, tax returns, mortgage and car statements, and bills to a free consultation.
Questions
Chapter 13 Bankruptcy FAQ
Every case is different. Call for answers about yours — the consultation is free.
(800) 555-0100Yes. Filing before the sale triggers the automatic stay. You then catch up the missed payments over the life of the plan while staying current on new payments.
It depends on your income, allowed expenses, what you need to catch up on, and what unsecured creditors are entitled to receive. We calculate it with you before filing.
In some cases. If you bought the car more than 910 days before filing, the loan may be reduced to the vehicle’s value, and the interest rate can sometimes be lowered.
Call us right away. Plans can often be modified when income changes. Missed payments without a fix can lead to dismissal.
Yes. Federal debt limits apply and are adjusted periodically. We check the current limits during your consultation.
A Chapter 13 can stay on your credit report for up to 7 years. Many filers begin rebuilding right away by making plan payments on time.
Every Hour Matters. Let’s Start Now.
Foreclosure sales and garnishments don’t wait. Speak with a Texas bankruptcy attorney today — free and confidential.