Chapter 13 Bankruptcy

If you need help catching up on your mortgage or car payments, Chapter 13 bankruptcy can provide you with a repayment plan. Through the plan, you may only be required to pay back a portion of your unsecured debts, such as credit cards and medical bills.

Is Chapter 13 Bankruptcy Right for Me?

Chapter 13 bankruptcy is a good option for a homeowner who is behind on their mortgage and needs time to reinstate it, or for anyone with credit card debt who also has a higher -than-average income. For Chapter 13 bankruptcy, you need to have less than $394,725* in unsecured debts, like credit cards and medical bills, and less than $1,184,200* in secured debts, like your home and car. When you contact Boyer Law Group, we can help you decide if Chapter 13 bankruptcy is your best choice and if you qualify.

Filing for Chapter 13 Bankruptcy: The Process

This process is relatively straightforward — cases take about 5 years to process, depending on how much money is owed to creditors, but they involve only one court hearing for the client.

  1. Boyer Law Group accepts your case.

  2. We collect and work up your paperwork.

  3. We schedule a meeting with you to review the paperwork.

  4. Finally, we file the paperwork on your behalf.

  5. We help you navigate the court system.


This helpful flowchart provides a step-by-step overview of what’s involved in filing for Chapter 13 bankruptcy, from our first meeting to the final discharge.


You can expect Chapter 13 bankruptcy services to cost around $5,000 - $6,000, about half of which is required as a down payment to Boyer Law Group before the case. There is also a $310 court filing fee, and you’ll need to take two credit counseling classes that cost about $20 each.

Do you have more questions about Chapter 13 bankruptcy? Check out our FAQs, or get in touch for a free 30-minute consultation.

*These numbers increase every three years. For the most accurate, up-to-date info, check U.S. Courts Bankruptcy Basics.