Bankruptcy Protection
Chapter 13 Bankruptcy:
Keep What You've Built
Reorganize your debt into a manageable repayment plan — and protect your home, car, and assets — with compassionate legal guidance from Foster Law Offices.
Overview
What Is Chapter 13 Bankruptcy?
Chapter 13 — often referred to as the "homesaver plan" — allows individuals with regular income to develop a plan to repay all or part of their debts, for pennies on the dollar, over a period of 3 to 5 years.
Chapter 13 is especially powerful for homeowners facing foreclosure, individuals with assets they want to protect, or those who don't qualify for Chapter 7 due to income.
At Foster Law Offices, we guide you through every step — from evaluating your options to filing your plan and representing you at all court hearings.
Is It Right for You?
Who Benefits Most from Chapter 13?
Homeowners Facing Foreclosure
Chapter 13 stops foreclosure immediately and lets you catch up on missed mortgage payments over the life of your plan — keeping your family in your home.
Those Who Don't Qualify for Chapter 7
If your income is too high to pass the Chapter 7 means test, Chapter 13 provides an alternative path to debt relief with a structured repayment plan.
Individuals with Tax or Support Debts
Certain debts like back taxes, child support, and alimony cannot be discharged but can be repaid in an organized, manageable way through a Chapter 13 plan.
Those Wanting a Structured Fresh Start
Chapter 13 gives you a clear, court-approved roadmap to becoming debt-free — with legal protection from creditors every step of the way.
Chapter 13 is the #1 tool for saving homes. Filing immediately stops foreclosure and gives you time to catch up — on your terms.
The Process
How the Chapter 13 Repayment Plan Works
A clear, step-by-step path from filing to financial freedom — with Foster Law Offices guiding you every step of the way.
Free Consultation
We review your income, debts, and assets to determine if Chapter 13 is the right path — and what your monthly plan payment would look like.
File Your Petition
We prepare and file your bankruptcy petition with the court. An automatic stay immediately goes into effect, halting all collection actions, foreclosure, and garnishments.
Propose Your Repayment Plan
We draft a 3–5 year repayment plan based on your disposable income. The plan prioritizes secured debts (mortgage, car) and distributes remaining funds to unsecured creditors.
Plan Confirmation Hearing
A bankruptcy trustee reviews your plan. We represent you at the confirmation hearing and address any objections from creditors to get your plan approved by the court.
Make Monthly Payments
You make a single monthly payment to the trustee, who distributes funds to your creditors according to the plan. We monitor your case throughout the repayment period.
Receive Your Discharge
Upon completing all plan payments, the court issues a discharge order eliminating any remaining eligible unsecured debts. You emerge debt-free with a clear financial future.
Chapter 13 Completion Process
The Chapter 13 process can be complex — we are here to walk you through every step. See exactly how your case moves from the final month of your repayment plan all the way through to your discharge.
Comparison
Chapter 7 vs. Chapter 13
Not sure which chapter is right for you? Schedule a free consultation and we'll help you decide.
Common Questions
Chapter 13 FAQ
Ready to Protect What Matters Most?
A Chapter 13 repayment plan could be the lifeline your family needs. Call Foster Law Offices today for a free, confidential consultation — no obligation, no judgment.
Serving Allegheny, Butler, Washington, Lawrence, Mercer & New Castle counties.