Chapter 13 bankruptcy : repay your debts

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Title:

Author:

Leonard, Robin.

Personal Author:

Leonard, Robin.

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

Subject Term:

Bankruptcy -- United States -- Popular works.

ISBN:

9780873375016

Format :

Book

Available:*

Library	Call Number	Material Type	Home Location	Status	Item Holds
Searching... Central Library	KF1524.6 .L46 1999	Adult Non-Fiction	Central Closed Stacks-Oversize	Searching... Unknown	Searching... Unavailable

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

Introduction
A. The Basics of Chapter 13 Bankruptcy	p. 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 7	p. 3
C. Other Alternatives	p. 6
D. Converting From Chapter 7 Bankruptcy to Chapter 13 Bankruptcy	p. 9
2 An Overview of Chapter 13 Bankruptcy
A. The Chapter 13 Process	p. 2
B. How Much You'll Have to Repay Through the Plan	p. 3
C. Your Monthly Payments	p. 4
D. How Much You'll Still Owe When Your Case Is Over	p. 4
E. Filing With Your Spouse	p. 6
F. The Chapter 13 Trustee	p. 7
G. Going to Court	p. 7
3 Adding Up Your Secured and Unsecured Debts
A. Secured Debts	p. 2
B. Unsecured Debts	p. 11
4 Calculating Your Disposable Income
A. What You Earn	p. 2
B. What You Spend	p. 6
C. What's Left--Your Disposable Income	p. 10
5 Calculating the Value of Your Nonexempt Property
A. Identifying Your Property	p. 2
B. Listing Your Exempt and Nonexempt Property	p. 15
C. Determining the Value of Your Nonexempt Property	p. 15
6 Completing the Bankruptcy Forms
A. Finding the Right Bankruptcy Court	p. 3
B. Before You Begin: Get Some Information From the Court	p. 3
C. What Forms to File	p. 6
D. Tips for Filling In the Forms	p. 6
E. Form 1--Voluntary Petition	p. 8
F. Form 6--Schedules	p. 12
G. Form 7--Statement of Financial Affairs	p. 47
H. Mailing Matrix	p. 60
I. Form 21: Statement of Social Security Number	p. 61
J. Income Deduction Order	p. 61
7 Writing Your Chapter 13 Bankruptcy Plan
A. Chapter 13 Plan Forms	p. 3
B. How Long Your Plan Will Last	p. 4
C. Your Payment Schedule	p. 5
D. The Order in Which Creditors Will Be Paid	p. 5
E. Reducing the Trustee's Fee	p. 6
F. The Order in Which Priority Debts Will Be Paid	p. 6
G. Paying Back Taxes	p. 6
H. Paying Mortgage Arrears	p. 8
I. Paying Other Secured Debts	p. 11
J. Paying Your Unsecured Creditors	p. 16
K. Dealing With Contracts and Leases	p. 20
L. Making Payments Directly to Creditors	p. 21
M. Sample Plans	p. 21
8 Filing Your Bankruptcy Papers
A. Basic Filing Procedures	p. 2
B. Paying in Installments	p. 3
C. Emergency Filing	p. 3
9 After You File Your Case
A. The Automatic Stay	p. 3
B. Dealing With the Trustee	p. 5
C. Make Your First Payment	p. 6
D. Keep Your Business Going	p. 6
E. The Meeting of Creditors	p. 7
F. Modifying Your Plan Before the Confirmation Hearing	p. 9
G. Creditors' Objections to a Plan	p. 9
H. The Confirmation Hearing	p. 12
I. Modifying Your Plan After the Confirmation Hearing	p. 17
J. Creditors' Claims	p. 17
K. Asking the Court to Eliminate Liens	p. 18
L. Amending Your Bankruptcy Forms	p. 26
M. Filing a Change of Address	p. 27
N. Dealing With Creditors' Motions	p. 28
10 After Your Plan Is Approved
A. Making Plan Payments	p. 2
B. Selling Property	p. 3
C. Modifying Your Plan When Problems Come Up	p. 3
D. Attempts to Revoke Your Confirmation	p. 5
E. If You Cannot Complete Your Plan	p. 6
F. When You Complete Your Plan	p. 8
11 Life After Bankruptcy
A. Rebuilding Your Credit	p. 2
B. Attempts to Collect Clearly Discharged Debts	p. 7
C. Postbankruptcy Discrimination	p. 8
D. Attempts to Revoke Your Discharge	p. 9
12 Help Beyond the Book
A. Bankruptcy Lawyers	p. 2
B. Bankruptcy Petition Preparers	p. 3
C. The Law Library	p. 4
D. Legal Resources on the Internet	p. 7
Appendixes
1 State and Federal Exemption Tables
2 Addresses of Bankruptcy Courts
3 Tear-Out Forms
Index

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Summary

Summary

Author Notes

Table of Contents