{"id":2899,"date":"2016-05-11T11:24:22","date_gmt":"2016-05-11T18:24:22","guid":{"rendered":"http:\/\/dmaxlaw.com\/?p=2899"},"modified":"2016-05-11T11:24:22","modified_gmt":"2016-05-11T18:24:22","slug":"chapter-13-bankruptcy-chapter-13","status":"publish","type":"post","link":"https:\/\/themediabeast.com\/resources\/chapter-13-bankruptcy-chapter-13\/","title":{"rendered":"Chapter 13 Bankruptcy | What Is Chapter 13 Bankruptcy?"},"content":{"rendered":"<h2>Chapter 13 Bankruptcy | What Is Chapter 13 Bankruptcy?<\/h2>\n<p><a href=\"http:\/\/dmaxlaw.com\/chapter-13-bankruptcy\/\">Chapter 13 Bankruptcy |<\/a>\u00a0Chapter 13 is a bankruptcy option that provides a debtor with regular income the ability to pay off debts over time,<\/p>\n<p>generally three to five years. The length of time the debtor has to repay the debts is governed by the debtor&#8217;s income<\/p>\n<p>relative to the median income of his or her state. Another term one might see if one is considering filing for Chapter 13<\/p>\n<p>bankruptcy protection is &#8220;wage earners plan.&#8221; Under 11 U.S.C. \u00a7 1322(d), no repayment plan under Chapter 13 may be<\/p>\n<p>longer than five years.<\/p>\n<p>Under the provisions of Chapter 13, a debtor may keep assets that would normally be sold under Chapter 7, such as a<\/p>\n<p>home or vehicle. Over the last eight years, many mortgage owners have taken advantage of Chapter 13 protection to<\/p>\n<p>avoid foreclosure. Chapter 13 also offers protection to co-signers and others who are liable for &#8220;consumer debts.&#8221;<\/p>\n<p>Depending on the specific case, a debtor may be able to consolidate multiple debts into a single amount at a greatly<\/p>\n<p>reduced rate of interest. Chapter 13 is also available to individuals and couples who have tax debt that cannot be<\/p>\n<p>discharged in Chapter 7.<\/p>\n<p>Individuals or couples who are self-employed or run a business can qualify. Current unsecured debt limits, which are<\/p>\n<p>subject to change, must total $383,174 or less. Secured debts, such as mortgages (on personal or business property if the<\/p>\n<p>property is owned by an individual or couple) and\/or car loans, must total $1,149,524 or less.<\/p>\n<p>It is never a good idea to go at it alone when in filing bankruptcy. It would be wise to consult with a bankruptcy lawyer<\/p>\n<p>who can advise one on the best course of action relative to one&#8217;s particular situation. D. Max Gardner is a certified<\/p>\n<p>specialist in Bankruptcy law by the California State Bar Board of Specialization serving clients in Kern and Inyo County.<\/p>\n<div class=\"et_pb_column et_pb_column_3_4 et_pb_column_0\">\n<div class=\"et_pb_text et_pb_module et_pb_bg_layout_light et_pb_text_align_left et_pb_text_1\">\n<p>If you are considering filing Chapter 13 Bankruptcy in Bakersfield for your business, get advice sooner, rather than later. Call <a href=\"http:\/\/dmaxlaw.com\/\">Max Gardner<\/a> Today at <strong><span class=\"s1\">661-888-4335<\/span><\/strong><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Chapter 13 Bankruptcy | What Is Chapter 13 Bankruptcy? Chapter 13 Bankruptcy |\u00a0Chapter 13 is a bankruptcy option that provides [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2900,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","footnotes":""},"categories":[1],"tags":[1083],"class_list":["post-2899","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-chapter-13-bankruptcy"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.8 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Chapter 13 Bankruptcy | What Is Chapter 13 | Bakersfield, CA<\/title>\n<meta name=\"description\" content=\"If filing Chapter 13 Bankruptcy in Bakersfield for your business, get advice sooner, rather than later. Call debt lawyer Max Gardner Today at 661-888-4335\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/themediabeast.com\/resources\/chapter-13-bankruptcy-chapter-13\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Chapter 13 Bankruptcy | What Is Chapter 13 Bankruptcy?\" \/>\n<meta property=\"og:description\" content=\"If filing Chapter 13 Bankruptcy in Bakersfield for your business, get advice sooner, rather than later. 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