Homeowners
People who are behind on their mortgage and want to keep their home.
Consumer Bankruptcy
Chapter 13 Bankruptcy
Chapter 13 lets individuals with regular income create a court-approved payment plan based on monthly payments they can afford, while keeping their house, cars, and other assets.
Overview
How Chapter 13 bankruptcy works
Chapter 13 lets you keep your house, cars, and other assets by allowing you to "pay for what you keep" over time. You can catch up on past-due mortgage or car payments while lawsuits, wage garnishments, foreclosures, and repossessions are stopped.
When you complete your payment plan, you receive a discharge of the debts that were not repaid. Certain debts, such as child support, alimony, and some taxes, cannot be discharged, but creditors can no longer pursue you for the debts that were.
01
Behind on your mortgage or facing foreclosure
02
Behind on your car payment or facing repossession
03
A lawsuit or wage garnishment
04
Income too high to qualify for Chapter 7
Our Approach
Building a plan you can afford
Based on a thorough review of your debts, income, and expenses, we build a repayment plan you can afford and present it to the court for approval.
Most Chapter 13 plans last three to five years. Throughout your case, we keep you informed and give you the support you need to make your plan work.
Who We Help
Who we represent
Individuals with regular income
People who can make monthly payments but need time and court protection to catch up.
Our Services
Our Chapter 13 services include
Not sure which service fits your situation? Contact us and we will help you sort it out.
Request A ConsultationChapter 13 filing
Preparing your repayment plan, filing your case, and representing you through discharge.
Foreclosure
Stopping a foreclosure and catching up on past-due mortgage payments through your plan.
Mortgage servicing disputes
Disputes with a mortgage servicer over payments, fees, or the handling of your loan.
Bankruptcy litigation and adversary proceedings
Representation in lawsuits filed within a bankruptcy case.
Biggs Law Firm
Meet your attorney
Former Chapter 13 Trustee, Eastern District of North Carolina.
Joseph A. “Jody” Bledsoe IIIAttorney
View Full BioChapter 13 BankruptcyYour First Consultation
Preparing for Your Consultation
What to bring
Bring recent pay stubs, a list of your monthly expenses, your mortgage and car loan statements, and any foreclosure, repossession, or court notices. We will let you know if we need anything else.
Call 919-375-8040 to scheduleFAQ
Frequently asked questions
These answers are general information, not legal advice. Every situation is different, so talk with an attorney about yours.
How long does a Chapter 13 plan last?
Most Chapter 13 plans last three to five years, depending on your income and the debts the plan needs to address.
Can Chapter 13 stop a foreclosure?
Yes. Filing stops a foreclosure, and your plan lets you catch up on past-due mortgage payments over time while you keep making your regular payments.
What happens when I finish my plan?
You receive a discharge of the debts that were not repaid through the plan, except for debts that cannot be discharged, such as child support, alimony, and some taxes.
Behind on your mortgage, car payment, or other bills?
Schedule a consultation with one of our attorneys.