Chapter 13: Repayment of All or Part
of the Debts of an Individual with
Regular Income

If you have regular income and want to pay all or part of your debts in installments, you may file a chapter 13 bankruptcy.

Once you file for bankruptcy, an “automatic stay” will automatically be put in place.  It will stop most lawsuits, repossessions, foreclosures, garnishments, utility shut-offs, and debt collection harassment.

When you file a chapter 13, you would seek approval from a court to enter into a plan to repay your creditors all or part of the money you owe them.  Depending on your income and other factors, your repayment plan would be either a 3 year or 5 year plan.

After completing your repayment plan, your debts would generally be discharged, except for domestic support obligations, most student loans, certain taxes, most criminal fines and restitution obligations, mortgages and certain other long term secured obligations and certain other debts.

The court filing fee for a chapter 13 is currently $310.00. Attorney fees and costs are in addition to the filing fee.

The law office of Hitchcock and Associates has decades of experience providing bankruptcy assistance for individuals and small businesses in Chicago, Joliet and the surrounding areas. When you need to consult with Chapter 7 or Chapter 13 bankruptcy attorneys, you can depend on us to provide assertive representation for your case.

Call Hitchcock at 312-551-6400
or email us at

PAID ATTORNEY ADVERTISEMENT: This website is an advertisement. The attorney responsible for the content of this site is Thomas R. Hitchcock, Esq., licensed in Illinois with offices at 53 West Jackson Blvd. Suite 724, Chicago, Illinois 60604 . This website is not a lawyer referral service or prepaid legal services plan. The information contained in this website is not legal advice. Any information you submit to Hitchcock & Associates, P.C. may not be protected by attorney-client privilege. By an Act of Congress and the President of the United States, Hitchcock & Associates, P.C. is a federal Debt Relief Agency.
Please read Disclosures required under the U.S. Bankruptcy Code, Other Disclaimers and and Notices. | 

Visit our Blog