Reno chapter 13 bankruptcy. Affordable Chapter 13 Bankruptcy Lawyer In Reno, NV. Reno chapter 13 bankruptcy

 
Affordable Chapter 13 Bankruptcy Lawyer In Reno, NVReno chapter 13 bankruptcy If you decide to move forward with bankruptcy proceedings, you'll have to decide which type you'll file: Chapter 7 or Chapter 13

We have experience with Chapters 7, 11, 12, and 13 of the U. Other options for handling financial difficulties in Chapter 13 include modifying or. After filing, your credit will take a hit — but you’ll get a chance to keep important assets like your home. Atlanta-based ExpressJet announced on Tuesday that it has filed for Chapter 11 bankruptcy protection in Delaware. Bankruptcy can be a very difficult area in which to proceed pro se. There are two principal types of bankruptcy available to American consumers in the United States, Chapter 7 bankruptcy and Chapter 13 bankruptcy. A common misconception is that a bankruptcy ruins your credit rating, and that you will not be able to obtain any new credit after filing for bankruptcy. Chapter 13 Bankruptcy in Reno Chapter 13 filing will help you to create a plan of debt repayments that works for your life and your income. Chapter 13; Chapter 11; Reno Chapter 7 bankruptcy. Lawyer Rating. You can use our free Nevada Chapter 13 Reno Chapter 13 payment plan calculator to estimate your complete Chapter 13 plan payment, which includes the estimated bankruptcy attorney fees, the trustee. Although filing for bankruptcy can be a challenging and complicated process, it. S. James Demetras. Bankruptcy, Appeals, Business and Environmental. Chapter 13 bankruptcy is a voluntary reorganization of debt. In cases under chapters 7, 12, or 13, and sometimes in chapter 11 cases, this administrative process is carried out by a trustee who is appointed to oversee the case. 2: 02/21 : Notice of Hearing on Confirmation of Chapter 13 Plan: NVB 3015: 09/16 : Order to Value Collateral and Order to Avoid Lien: ch13_lien-strip-order. Get Started For As Low As $500 to $1,500. Reno, NV 89501 E-mail: Phone: (775)324. The Biden administration on Thursday unveiled unprecedented policy changes designed to make it easier for federal student loan borrowers to discharge their student debt in bankruptcy. Reno Case Filings, 2022 - 2023 Chapter 7 Non-Pro Se Chapter 7 Pro Se Chapter 11 Chapter 12 Non-Pro Se Chapter 12 Pro Se Chapter 13 Non-Pro Se Chapter 13 Pro Se Chapter 15 TOTAL; 2022 2023 2022 2023 2022 2023 2022 2023 2022 2023 2022 2023 2022 2023 2022 2023 2022 2023; January: 31: 39: 1: 5: 2: 1: 0: 0: 0: 0: 12: 14: 0: 0: 0: 0: 46: 59: February. Foley Federal Building 300 Las Vegas Boulevard South Las Vegas, Nevada 89101 (702) 527-7000: 10%. 100%. Step 6: Fill out and complete your bankruptcy forms. 00 filing fee is due for the filing of your petition. Get Started For As Low As $500 to $1,500. On April 11, 2023 GUARDIAN FUND, LLC (Reno) filed a voluntary petition under Ch. Our bankruptcy form packages have all the bankruptcy court forms you need, including easy instructions and a how to file bankruptcy guide. Personal and Third Party Checks cannot be accepted. S. Box 2031 Memphis TN 38101-2031: Or submit payments online via: E-Pay: NEW!An automatic stay is a protection that comes with bankruptcy, preventing creditors from pursuing collections against you. Ben owes $400,000 on his house worth $600,000. Chapter 13 Bankruptcy and Chapter 7 Bankruptcy are the sorts of bankruptcy chosen by people. m. Summary. The practice is most experience with filings that involve chapter 7, chapter 11, or chapter 13 bankruptcy. Chapter 7 exemptions. , P. With Unbundled Legal Help, you can hire a lawyer to assist you with the parts of your case you need help with. The filing fee for Chapter 13 bankruptcy is $310, but if your income is low enough, you could file to waive this fee. Reno, NV Bankruptcy Lawyer with 36 years of experience. We Will Instantly Connect You with a Chapter 13 Bankruptcy Lawyer for a Free Consultation Finding an Affordable Lawyer Just Got Easier With Unbundled Legal Help,. White Jr. Husna Fatima Alikhan. Reno Fernandez . Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt Bankruptcy; Emergency Bankruptcy Filing in Reno; Wage Garnishment; Foreclosure; Repossession; Credit Card Debt and Bankruptcy; GET OUT OF DEBT; ABOUT; CONTACT; BLOGAffordable Chapter 13 Bankruptcy Lawyer In Reno, NV. We Will Instantly Connect You with a Chapter 13 Bankruptcy Lawyer for a Free Consultation. They are incredibly professional and their level of compassion and support is unmatched. Scott N. m. With Unbundled Legal Help, you can hire a lawyer to assist you with the parts of your case you need help with. 20. com. The bankruptcy means test calculation determines whether someone can afford to pay a portion of their consumer debts as part of a Chapter 13 bankruptcy. Protect you from “hot check” or other criminal charges, or waive criminal fines, fees, penalties, and restitution. Bankruptcy is solely filed in a federal bankruptcy court and is solely governed by federal law. Find the right team for you today. Patterson, we understand that you already feel bogged down in debt. Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt Bankruptcy; Emergency Bankruptcy Filing in Reno; Wage Garnishment; Foreclosure;. BANKRUPTCY. bankruptcy proceeding in which the debtor undertakes a reorganization of his or her finances under the supervision and approval of the courts. S. If you fail the means test, don't despair: You still might qualify for Chapter 13 bankruptcy. FREE detailed reports on 4424 Chapter 13 Attorneys. net. 00: Reopen – Paid when filing the motion; Chapter 7: $260. For Chapter 13 bankruptcy, the test also plays a part in setting the repayment schedule. Much of the bankruptcy process is administrative, however, and is conducted away from the courthouse. Van Meter, Chapter 13 Trustee — Reno, NV William A. As part of the reorganization, the. If you cannot pay these fees at the time of filing, the court can grant you a plan where you pay in up to four installments over 120 days (or 180 days at most for good cause shown). Comanse, Esq. Hearing Location ONLY. 3. 5. Browse comprehensive profiles including education, bar membership, awards, jurisdictions, and publications. If a debt is not listed, it is possible the debt will not be discharged. He received his Bachelor of Science in 1994, and Master of Education in 1997 from the University of Nevada Las Vegas. Message. The bankruptcy petition for GUARDIAN FUND, LLC showed assets in the range of $10MM - $50MM with liabilities in the range of $50MM -. Reno Bankruptcy Lawyer - Darby Law Practice 775-636-6791 Know your rights responsibilities and option . Filing for Chapter 13 bankruptcy is complicated, so hiring an experienced bankruptcy attorney is the best investment you can make to correct your financial situation. Courts and offer information for debtors, creditors and the general public on federal bankruptcy laws as well as information on the different chapters under which a bankruptcy case may be filed. Las Vegas, NV 89101. Comanse, Esq. The filing of the bankruptcy will stop the foreclosure. Find the best bankruptcy attorney serving Reno County. Burke, we offer help with personal and business bankruptcy, medical bills, repossessions, payday loans, foreclosures, garnishments, and the IRS. This organization primarily operates in the Bankruptcy Law business / industry within the Legal Services sector. Along with the petition, the debtor must also file the following with the court: schedules of assets and liabilities; a schedule of current income and expenditures; a statement. Marilyn, Ilin and the entire staff were extremely easy to work with and extremely knowledgeable and professional in handling a difficult breakup. Nevada School of Law. The approval process involves filing a court motion and attending a hearing (consult with a bankruptcy attorney for help). pdf:Wage Earners Bankruptcy (Chapter 13 Bankruptcy) Chapter 13 bankruptcy proceedings are called a “wage earners bankruptcy. if you have filed a Chapter 7 previously, you may be able to file a Chapter 13 bankruptcy after 4 years. As business owners, it’s best to leave your debt concerns and financial problems to the experts. , P. With Unbundled Legal Help, you can hire a lawyer to assist you with the parts of your case you need help with. Plan Confirmation Date:Reno Fernandez . Eliminate creditors’ rights to secured. Chapter 7 business bankruptcy is a way for a business to liquidate assets to then pay creditor. Find 32999 reviews, disciplinary sanctions, and peer endorsements. Hiring a bankruptcy attorney is not inexpensive, but it is recommended. Affordable Chapter 13 Bankruptcy Lawyer In Reno, NV. While a few will rent to someone who is currently in Chapter 13, the majority of property management companies want renters to have bankruptcy cases discharged. ”. charge no out of pocket expenses so that you can have a greater chance of getting your finances. (702) 842-0700. Bankruptcy. Finding an Affordable Lawyer Just Got Easier. Through effective communication and dedication to clients, Nevada Zero Down Bankruptcy provides clients with expert legal representation. Chapter 7, 11 and 13 Bankruptcy Cases filed in the Las Vegas and Reno Divisions. Posted: November 8, 2023. , Reno Zero Down Bankruptcy Lawyers, Young Stephen G Attorney At Law Partner and Founder. Bankruptcy Lawyer Serving San Francisco, CA (408) 295-1700. is a bankruptcy attorney and the founder of Shmucher Law, PL. This step is something your bankruptcy lawyer can help with. Bankruptcy (3:19-bk-04150), California Southern Bankruptcy Court, Filed: 07/15/2019 - PacerMonitor Mobile Federal and Bankruptcy Court PACER Dockets. Why choose this provider? Wajda Law Group is a bankruptcy law firm with offices in California and Nevada. Bankruptcy Court Nevada District (the "Bankruptcy Court") Reno. O'Mara. There are too many Bankruptcy laws, rules and procedures to deal with. At the Law Offices of Sean P. Divorce or debt problems in the Oklahoma City area? Call Norman bankruptcy, family law and defense attorney L. Add all gross income earned during the last six months and multiply it by two. Trustee and the. The court may allow you to pay this filing fee in installments if you cannot pay all at once. Filing Fee: $313. Compare the best Chapter 13 Bankruptcy lawyers near Reno, NV today. PATTERSON, ESQ. Chapter 13 and Chapter 7 Bankruptcy Proceedings. Whether you are filing for Chapter 13 or Chapter 7 bankruptcy, we. Chapter 13 Bankruptcy. Download and. Chapter 13 cases require the filer to have disposable income to make monthly plan payments to the trustee. Van Meter, Chapter 13 Trustee — Reno, NV William A. What Is Chapter 13 Bankruptcy? Chapter 7 and Chapter 13 bankruptcy are both powerful debt relief options for folks in need of a fresh start. Chapter 7 Bankruptcy. These are good people who worked very hard representing my family. To qualify for Chapter 13 bankruptcy: You must have regular income. Normally, fees are to be paid in full when bankruptcy is filed, but payment in up to four installments can be arranged at the court's discretion. Affordable Chapter 13 Bankruptcy Lawyer In Reno, NV. Average Attorney Fee for Chapter 13 Bankruptcy: $3,000. A completed Chapter 13 bankruptcy stays on your credit report for 7 years after the filing date, or 10 years if the case was not completed to discharge. You can keep your non-exempt property under Chapter 13, which is one of the main ways in which it is different from Chapter 7. By discussing your finances and evaluating debt issues with a bankruptcy lawyer you can find out whether you meet legal requirements and get advice about the best way to proceed. In Chapter 13 bankruptcy, the individual has debt that they can no longer manage and often own assets that exceed state and/or federal relief. CAL Northern School of Law. Cecilia Lee began the practice of law in 1986 in Portland, Oregon as an appellate lawyer with the law firm of. 80. Chapter 13 bankruptcy can provide filers the chance to restructure debt into a repayment plan that lasts up to five years. Chapter 13 is designed to help you keep your home and resolve the issues of missed payments. Visit us and find out what happens to your student loans when you file for bankruptcy in Reno. Credit card debt is an example of unsecured debt. UNLV William S. Review: “I am happy I chose Mr. Eric Morgan Boeing . showed assets in the range of $1MM - $10MM with liabilities in the range of $10MM . Last Updated February, 2023. The fee can depend on the district. You must participate in credit counseling and your repayment plan must be approved by the court and your creditors. S. You'll qualify for Chapter 7 bankruptcy if your family's gross income is lower than the median income for the same size family in your state. Failure to timely file the appropriate schedules may result in dismissal of the bankruptcy and the barring of the debtor from filing again for 180 days (six months). 09:00 AM 23-50631-HLB . 448 Ridge St, Reno, NV. Reno13. Back to State Locator ALABAMA. That said, Chapter 7 bankruptcy cost in Nevada is different. Reno, NV 89501. In a Nutshell. Bronx Bankruptcy Attorney ️ Nov 2023. In a chapter 7 case, the trustee may take possession of the debtor's assets, sell them, and distribute the proceeds to creditors. In Chapter 7, the debtor's estate is liquidated under the rules of the Bankruptcy Code. United States Bankruptcy Court District of Nevada 341 Hearing Schedule . You may be able to clear your debts faster with Chapter 7 than with Chapter 13. Chapter 13 Bankruptcy Attorney Serving Reno, Nevada. While a few will rent to someone who is currently in Chapter 13, the majority of property management companies want renters to have bankruptcy cases discharged. The approval process involves filing a court motion and attending a hearing (consult with a bankruptcy attorney for help). You must develop a plan to repay your creditors over three to five years. Complete the purchase. 775-333-1010 Call now for a free consultation with a personal bankruptcy attorney in Reno and Hawthorne. A bankruptcy lawyer in Reno can help you decide whether bankruptcy is right for you. Cope. Depending on the factors as to why someone could. - 5:00 p. Back to State Locator ALABAMA. Chapter 13 bankruptcy takes three to five years to complete. § 101, et seq. Step 7: File your Chapter 13 Bankruptcy petition and pay the filing fee. Bronx Bankruptcy Attorney - If you are looking for answers to bankruptcy questions, then we have expert. STANLEY, ACTING ASSISTANT U. , Suite F, Reno, Nevada 89511. real and personal property of the bankruptcy estate to release information to the standing Chapter 13 bankruptcy Trustee in my case: William A. Most plans will include provisions that allow you to pay creditors less than the amount owed. fraud-related court judgments. This web site is part of the Chapter 13 Trustee's service to the bankruptcy community in the Northern District of Illinois. Find Nevada attorney Nicholus Palmer in their Reno or Reno office. Call Us Now For a Free Consultation (702) 879-7968; BANKRUPTCY. Call (775) 323-5700 today to reach an attorney at The Law Offices of Charles Zeh Esq in Reno, NV. Once an automatic stay goes into effect, the car lender is stopped from repossessing your car until the judge confirms your debt repayment plan. 11 U. 3. Chapter 7 bankruptcy enables consumers to discharge unsecured debts, such as credit card debt. Attorney fees for Chapter 7 average between $1,000 and $3,500, and for Chapter 13 between $2,500 and $6,000. Individuals, sole proprietorship businesses, or spouses can file a Chapter 13. Compare the best Chapter 13 Bankruptcy lawyers near El Reno, OK today. Individuals may appear "pro se" (without an attorney) in the bankruptcy court. We Will Instantly Connect You with a Chapter 13 Bankruptcy Lawyer for a Free Consultation. Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt BankruptcyYou can use this information to assist in your search for information but you should do your own research from official sources. Others do it to catch up on a mortgage or car. A. The notice, which is simply a copy of. By discussing your finances and evaluating debt issues with a bankruptcy lawyer you can find out. EASTERN AVE. If you’re facing foreclosure and are considering filing bankruptcy, you can decide when to file based on your goals. THE LAW OFFICES OF. You would have to surrender it to the bankruptcy trustee if you receive it after you file. Avvo Rating: 8. bankruptcy proceeding in which the debtor undertakes a reorganization of his or her finances under the supervision and approval of the courts. 11 reviews. Chapter 13 bankruptcy cost. Affordable Chapter 13 Bankruptcy Lawyer In Reno, NV. Chapter 7 Bankruptcy. (844) 288-7881. A. Redding, CA Bankruptcy Attorney with 37 years of experience. . If you have filed a Chapter 7 previously, you must wait 8 years to file another Chapter 7. You must participate in credit counseling and your repayment plan must be approved by the court and your creditors. Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt Bankruptcy; Emergency Bankruptcy Filing in Reno; Wage Garnishment; Foreclosure; Repossession; Credit Card Debt and Bankruptcy; GET OUT OF DEBT; ABOUT; CONTACT; BLOG Affordable Chapter 13 Bankruptcy Lawyer In Reno, NV. Bankruptcy and debt. Top 10 Best Bankruptcy Law in Reno, NV - November 2023 - Yelp - Sean P Patterson Attorney at Law, Affordable Bankruptcy Attorney, Darby Law Practice, Reno Sparks Bankruptcy Attorney, Stephen R. Chapter 7 Bankruptcy and Chapter 13 Bankruptcy are only two tools in our debt relief arsenal. 4. L. Caryn S. Of course, if a Chapter 7, Chapter 11, or Chapter 13 is your best solution, we can help you there as well. You Don’t Have To Solve This on Your Own – Get a. Reno, NV 89521. 6. For over a decade, David C. By approaching your debts with a professional bankruptcy lawyer in a chapter 13 filing, the result is a Court-Mandated Repayment Program set in place that allows you to reasonably tackle your debt without. Bankruptcy is a legal tool to help consumers and businesses resolve overwhelming debt. 1 review. A list of some new chapter 11 bankruptcy filings made during the last week. A Chapter 7 bankruptcy, titled “Liquidation,” contemplates an orderly, court-supervised procedure by which a trustee (an individual who administers a bankruptcy estate, which is created by the filing of a bankruptcy) examines your assets. 775. Bankruptcy Lawyers and Attorneys. Chapter 13 permits the debtor to file a plan in which the debtor agrees to pay a certain percentage of future income to the. There are no second chances once a non-sufficient funds payment has been submitted and declined. July 3 (Reuters) - U. Henderson. We Will Instantly Connect You with a Chapter 13 Bankruptcy Lawyer for a Free Consultation. Save. Free Initial Consultation; Payment Plans Available. Other options for handling financial difficulties in Chapter 13 include modifying or. All bankruptcy courts charge a $338filing fee to file a Chapter 7 bankruptcy. S. (775) 322-7980 515 Sinclair St. Many Chapter 7 filers don't own any nonexempt property, so you might not have to give up anything. Its two offices in Nevada are in Reno and Henderson. You can't have filed for Chapter 7 bankruptcy in the previous eight years. Although filing for bankruptcy can be a challenging and complicated process, it. Reno Contracting, Inc. Darby, Esq. Darby Law Practice firmly believes that bankruptcy is an important legal tool available for the honest. Local Rule 4001-1 [RELIEF FROM AUTOMATIC STAY -- Amended [August 4, 2008]. Judgment Liens v. Chapter 7 Bankruptcy Qualifications. The bankruptcy means test is a calculation laid out in the Bankruptcy Code. Both Chapter 7 and Chapter 13 bankruptcy allow for an automatic stay. There are two types of bankruptcy: Chapter 7—the most common—and Chapter 13. The federal bankruptcy courts where all bankruptcy cases are heard charge standard fees totaling $310 for a Chapter 13 filing—a little less than the $338 in fees to file Chapter 7. Filing Fee: $313. We make the process easier to access the most up-to-date case information and status. But the same qualification we noted. S. Chapter 7 bankruptcy stays on your credit report for 10 years after the filing date. We offer a payment plan that makes our quality services affordable. The bankruptcy attorneys at Darby Law Practice not only help you navigate to financial freedom through a Chapter 7, Chapter 11, or Chapter 13. December 6, 2023 . Van Meter administers Chapter 13 Bankruptcy cases filed in the United States Bankruptcy Court for the District of Nevada (Northern Division). Read More. 31 reviews. Depending on whether you filed Chapter 7 or Chapter 13, it'll take four years to qualify for a conventional mortgage, two years for FHA or VA loans, and one or three years for USDA loan. When filing for Chapter 13 bankruptcy in Reno, you will also have a limit to how much unsecured debts you are able file. Get Started For As Low As $500 to $1,500. Bankruptcy and Personal Injury. bankruptcy filing data, said on Monday. Chapter 11. Chapter 13 enables people to pay off their obligations over a certain. Yoo also represents debtors and creditors in Chapter 7, 11 & 13 bankruptcy proceedings, including tax bankruptcy cases. U. Call Us Now For a Free Consultation (702) 879-7968; BANKRUPTCY. Chapter 15: Used in Foreign Cases. If you have excessive debt, bankruptcy is. File Your Chapter 13 Bankruptcy Paperwork. Carson City, NV 89701. Trustee Program (“USTP”) will implement virtual section 341 meetings of creditors (“341 meetings”) via Zoom for all chapter 7, 12, and 13 cases in all USTP jurisdictions. That's the monthly amount you'll pay. The Law Office of Scott N. 775. 4777 Caughlin Pkwy, Reno, NV. “It allows debtors to keep most of their assets, while still discharging some of their debts,” said Shmuel. The links below are provided by the U. Top Cities: Las Vegas, Reno, Henderson, Cold Springs. , Demetras Law, Barber Law Group, Inc. 2. Call Us Now For a Free Consultation (702) 879-7968; BANKRUPTCY. But unlike chapter 11, chapter 13 has debt limits. For example, Arizona allows claims up to $3,500 in small claims court. filed a 7 chapter bankruptcy in the Southern District of California bankruptcy court on July 15, 2019. This is a voluntary filing; it was assigned the bankruptcy case number #23-50233. Find reviews, educational history and legal experience. Chapter 13 bankruptcy is more complicated than Chapter 7 bankruptcy. 329. [ 1] It’s more common than most people think. Chapter 13 is similar to a Chapter 7 bankruptcy in that the bankruptcy trustee gets to decide whether to assume or reject your residential lease. Nevada, United States · <25 Employees. In Chapter 13 bankruptcy, your debts are reorganized into a three-to-five year repayment plan, after which any remaining debt is discharged. Resize. This is an option for people who do not want to give up their property or do not. Filing a Chapter 13 bankruptcy case stops foreclosure and allows you to reorganize your finances in a 3-5 year repayment plan and to keep your home. com. O. Add all gross income earned during the last six months and multiply it by two. While Chapter 13 makes your payments manageable, many debtors fail to finish their repayment plan. Personal and Third Party Checks cannot be accepted. (702) 842-0700. Reno Zero Down Bankruptcy Lawyers provides debt negotiation services, emergency bankruptcy filings, Zero Down Bankruptcy Lawyers, Bankruptcy Representation, Bankruptcy Referee, Bankruptcy Lawyer in Reno, NV. Van Meter - Chapter 13 Trustee, Reno Keywords: chapter 13, bankruptcy, reno, nevada, van meter, william. A Chapter 11 bankruptcy is for businesses to reorganize their debt so they can stay in business. S. Chapter 7 Bankruptcy Qualifications. Bankruptcy is also outside the jurisdiction of small claims courts. Not yet reviewed. Wajda Law Group. If you discover an error, you’ll need to contact the credit bureaus reporting it and file a dispute to have it removed. Reno, NV (775) 827-9600. Tricia Darby is the BEST personal Bankruptcy Attorney in Reno! I had a crisis and was facing severe hardship and turned to Tricia because of what other attorneys said about her. This organization has been operating for approximately 23 years. Bankruptcy Basics Videos (Fundamentos del Proceso de Quiebra also available)Affordable Chapter 13 Bankruptcy Lawyer In Reno, NV. I had spent many years in business trudging through legal. Get Started For As Low As $500 to $1,500 Affordable Payment Plans Available 10+ Years Serving Over 1 Million. Van Meter, Trustee. Chapter 7 bankruptcy can eliminate many unsecured debts. Chapter 13 bankruptcies increased to 157,087 in 2022 from 120,002 in 2021. Once the motion has been approved by the court, you can then obtain your car loan and get your car. Looking for A Affordable Bankruptcy bankruptcy lawyers or bankruptcy attorneys centers near you? Search our A Affordable Bankruptcy online consumer protection & debt negotiation lawyers directory in Reno Bankruptcy Lawyers, Bankruptcy Attorneys, Consumer Protection & Debt Negotiation Lawyers, Chapter 7 & 13, Personal. The 2016 Martindale-Nolo study showed an average of $3,000 for Chapter 13 cases, with ranges from $2,000 to $5,000. The chapter 13 trustee indicated that he had no objection to the feasibility of the fourth amended plan. Chapter 13 Filing Requirements. Harold C. Get Started For As Low As $500 to $1,500 Affordable Payment Plans Available 10+ Years Serving Over 1 Million. A Chapter 13 bankruptcy reorganizes your debt. You must be current on tax filings. Mail Chapter 13 Plan Payments to: Marilyn O. Credit counseling fees: Less than or equal to $50. Get Started For As Low As $500 to $1,500. 23.