Chapter 13 Bankruptcy

A Practical Plan for Managing Debt and Protecting Property

Chapter 13 allows individuals with regular income to reorganize debt through a court-approved repayment plan, usually lasting three to five years. It can be especially useful when you need time to catch up on a mortgage or vehicle, protect property that may be at risk in Chapter 7, address tax debt, or restructure obligations that cannot be resolved through Chapter 7.

David S. Neinchel works directly with clients to develop a Chapter 13 plan that is both legally supportable and financially realistic. He carefully reviews income, expenses, secured claims, priority debts, property values, and other factors that affect the required plan payment and the likelihood of successfully completing the case.

Chapter 13 May Help You

  • Stop foreclosure and provide time to catch up on mortgage arrears

  • Catch up on vehicle payments and other secured debts

  • Address certain tax debts and other priority obligations

  • Protect property that may be at risk in Chapter 7

  • Manage student loan obligations as part of an overall Chapter 13 strategy

  • Restructure personal or small-business debt

A Plan Designed Around the Facts

A successful Chapter 13 case requires more than simply filing forms. David reviews income, expenses, claims, liens, property, and long-term financial goals to develop a plan that is legally supportable, financially realistic, and designed with successful completion in mind.

Direct Guidance Throughout the Case

Clients work directly with David from the initial analysis through plan confirmation, trustee issues, plan modifications, and completion of the case. He explains what to expect at each stage and remains available to address changes or problems that arise during the multi-year process.

Request a Confidential Consultation

If you are considering Chapter 13, schedule a confidential consultation to discuss your financial situation, the debts you need to address, the property you want to protect, and whether a Chapter 13 plan may provide a workable path forward.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.