Cover image for Chapter 13 bankruptcy : repay your debts
Title:
Chapter 13 bankruptcy : repay your debts
Author:
Leonard, Robin.
Personal Author:
Edition:
Fourth edition.
Publication Information:
Berkeley, CA : Nolo Press, 1999.
Physical Description:
1 volume (various pagings) : forms ; 28 cm
General Note:
Includes index.
Language:
English
ISBN:
9780873375016
Format :
Book

Available:*

Library
Call Number
Material Type
Home Location
Status
Central Library KF1524.6 .L46 1999 Adult Non-Fiction Central Closed Stacks-Oversize
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Summary

Summary

Chapter 13 bankruptcy allows debtors to reorganize their debts into a manageable repayment plan -- without losing property. Chapter 13 Bankruptcy provides a clear overview of this reorganization process and shows people how to qualify for Chapter 13, decide if it's the right step, devise a reasonable repayment plan and file all necessary papers, either on their own or with a lawyer. It also includes a discussion of how to value collateral and choose an interest rate when writing a bankruptcy plan. Contains sample letters to creditors, tear-out forms and step-by-step instructions to fill them out and file.


Author Notes

Attorney Robin Leonard is an expert on personal finance and credit


Table of Contents

Introduction
A. The Basics of Chapter 13 Bankruptcyp. 2
B. Do You Need a Lawyer?p. 3
C. Can You Propose a Viable Plan?p. 4
1 Should You File for Chapter 13 Bankruptcy?
A. Are You Eligible for Chapter 13 Bankruptcy?p. 2
B. When Chapter 13 Bankruptcy Is Better Than Chapter 7p. 3
C. Other Alternativesp. 6
D. Converting From Chapter 7 Bankruptcy to Chapter 13 Bankruptcyp. 9
2 An Overview of Chapter 13 Bankruptcy
A. The Chapter 13 Processp. 2
B. How Much You'll Have to Repay Through the Planp. 3
C. Your Monthly Paymentsp. 4
D. How Much You'll Still Owe When Your Case Is Overp. 4
E. Filing With Your Spousep. 6
F. The Chapter 13 Trusteep. 7
G. Going to Courtp. 7
3 Adding Up Your Secured and Unsecured Debts
A. Secured Debtsp. 2
B. Unsecured Debtsp. 11
4 Calculating Your Disposable Income
A. What You Earnp. 2
B. What You Spendp. 6
C. What's Left--Your Disposable Incomep. 10
5 Calculating the Value of Your Nonexempt Property
A. Identifying Your Propertyp. 2
B. Listing Your Exempt and Nonexempt Propertyp. 15
C. Determining the Value of Your Nonexempt Propertyp. 15
6 Completing the Bankruptcy Forms
A. Finding the Right Bankruptcy Courtp. 3
B. Before You Begin: Get Some Information From the Courtp. 3
C. What Forms to Filep. 6
D. Tips for Filling In the Formsp. 6
E. Form 1--Voluntary Petitionp. 8
F. Form 6--Schedulesp. 12
G. Form 7--Statement of Financial Affairsp. 47
H. Mailing Matrixp. 60
I. Form 21: Statement of Social Security Numberp. 61
J. Income Deduction Orderp. 61
7 Writing Your Chapter 13 Bankruptcy Plan
A. Chapter 13 Plan Formsp. 3
B. How Long Your Plan Will Lastp. 4
C. Your Payment Schedulep. 5
D. The Order in Which Creditors Will Be Paidp. 5
E. Reducing the Trustee's Feep. 6
F. The Order in Which Priority Debts Will Be Paidp. 6
G. Paying Back Taxesp. 6
H. Paying Mortgage Arrearsp. 8
I. Paying Other Secured Debtsp. 11
J. Paying Your Unsecured Creditorsp. 16
K. Dealing With Contracts and Leasesp. 20
L. Making Payments Directly to Creditorsp. 21
M. Sample Plansp. 21
8 Filing Your Bankruptcy Papers
A. Basic Filing Proceduresp. 2
B. Paying in Installmentsp. 3
C. Emergency Filingp. 3
9 After You File Your Case
A. The Automatic Stayp. 3
B. Dealing With the Trusteep. 5
C. Make Your First Paymentp. 6
D. Keep Your Business Goingp. 6
E. The Meeting of Creditorsp. 7
F. Modifying Your Plan Before the Confirmation Hearingp. 9
G. Creditors' Objections to a Planp. 9
H. The Confirmation Hearingp. 12
I. Modifying Your Plan After the Confirmation Hearingp. 17
J. Creditors' Claimsp. 17
K. Asking the Court to Eliminate Liensp. 18
L. Amending Your Bankruptcy Formsp. 26
M. Filing a Change of Addressp. 27
N. Dealing With Creditors' Motionsp. 28
10 After Your Plan Is Approved
A. Making Plan Paymentsp. 2
B. Selling Propertyp. 3
C. Modifying Your Plan When Problems Come Upp. 3
D. Attempts to Revoke Your Confirmationp. 5
E. If You Cannot Complete Your Planp. 6
F. When You Complete Your Planp. 8
11 Life After Bankruptcy
A. Rebuilding Your Creditp. 2
B. Attempts to Collect Clearly Discharged Debtsp. 7
C. Postbankruptcy Discriminationp. 8
D. Attempts to Revoke Your Dischargep. 9
12 Help Beyond the Book
A. Bankruptcy Lawyersp. 2
B. Bankruptcy Petition Preparersp. 3
C. The Law Libraryp. 4
D. Legal Resources on the Internetp. 7
Appendixes
1 State and Federal Exemption Tables
2 Addresses of Bankruptcy Courts
3 Tear-Out Forms
Index

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