White Law Firm, PLC


Chapter 13

A Chapter 13 bankruptcy is a repayment or debt consolidation plan where a person can repay some of their debt over time, while discharging the rest. 

Immediately upon filing bankruptcy, an automatic federal court order goes into effect that prevents your creditors from taking any collection action against you or your property. It is called the "automatic stay," and it is generally referred to as bankruptcy "protection." Creditors can no longer sue you, garnish your wages or bank accounts, repossess your vehicles, or even call you. 

If filed prior to the sale, a Chapter 13 bankruptcy will stop a foreclosure sale and allow you to catch up your mortgage. But the case must be filed prior to the foreclosure sale.

A Chapter 13 Bankruptcy can do the following for you:

  • Stop a foreclosure sale and allow you to catch up your mortgage over time.
  • Stop repossession of your vehicle and allow you to catch up your payments, and in some cases you can even adjust the terms of your auto loan so you can get back on track.
  • Stop creditor collection actions, such as phone calls, payment demands, and lawsuits.
  • Allow you to pay back a certain amount to your creditors based on what you can afford.

A Chapter 13 Plan lasts from 3 to 5 years, depending on your household income. In Chapter 13, your assets are protected from liquidation or sale by a bankruptcy trustee. You will never have to pay back more than you owe in a Chapter 13.

Contact us today to determine if a Chapter 13 bankruptcy proceeding is right for you. We will review your options with you and help you determine the best relief for your specific situation. Call (616) 920-1932 for a free consultation.




833 Kenmoor Ave. SE, Ste. E
Grand Rapids, MI 49546


(616) 920-1932


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