Chapter 13

Chapter 13 is for individuals or couples with regular income. It has unique provisions and relief available to permit our clients to accomplish any number of things, including the following:

  • Keep your home. Under Chapter 13 you may be able to cure your mortgage arrearage, without interest, over a period of up to 5 years.
  • Modify your home mortgage. Chapter 13 in Wisconsin permits debtors to apply for a mediation program. The reported success rate is over 70%.
  • Pay liens, but only up to what the collateral is worth. If your car or equipment loan is under water, paying only the value of the collateral may be a substantial benefit.
  • Protecting co-debtors. Under Chapter 13, co-debtors are often protected from the claims of the creditor while the debtor makes payments over a period of up to 5 years.
  • Stop tax levies and force the tax authorities to accept your payment plan. The plan may be for up to 5 years.

There are numerous other benefits and uses for Chapter 13.

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