Chapter 13 Bankruptcy at a Glance

Chapter 13 bankruptcy exists as a way for an individual debtor to reorganize his or her short-term debt. In our experience, we have rarely come across an individual who cannot qualify for Chapter 13. Trust our bankruptcy attorneys to guide you through the entire process.
Individuals who do not qualify for Chapter 7 bankruptcy or whose problems Chapter 7 will not adequately address can still find debt relief by filing for Chapter 13.
To compare how Chapter 7 bankruptcy differs from Chapter 13 bankruptcy, we have created a comparison chart that outlines some of the key differences.

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Chapter 13 Bankruptcy Information

  • You have significant equity in a home or other property and you want to keep it.
  • You can pay your living expenses but are behind with payments on your debts.
  • Individuals and sole proprietorships.
  • Unsecured debts are below $360,475 and secured debts are less than $1,081,400.
  • You can keep most of your property (including house and vehicle) with additional time to pay past due accounts.
  • You’ll have 3-5 years to catch up delinquent accounts according to a schedule that is workable for you.
  • You’ll make one monthly payment to the bankruptcy trustee for distribution.
  • You’ll have no direct contact with your creditors during the protection period of 3-5 years.
  • Co-signers may be protected.
  • Must make monthly payments to the trustee for 3-5 years.
  • May have to pay back a portion of general unsecured debts.
  • Stays on credit report for up to 7 years.

Chapter 13 bankruptcy resources

Below is a list of our most recent Chapter 13 bankruptcy resources to help you stay informed.

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Meet the partners

You are more than a client. We are invested in your future.

Collier H. Espy Jr.
Collier H. Espy Jr.Founding Partner
Collier grew up in an era where a man’s handshake was his promise. Collier’s decision to practice law was heavily influenced by his unwavering desire to help those in need. He believes in meeting with clients personally and charging them fairly for the services.
Cameron Metcalf
Cameron MetcalfManaging Partner
Cam just might be the hardest working guy in the legal profession. He gives the word “competition” a whole new meaning. Whether he’s on the basketball court, or in a court of law, you better believe he’s in it to win. Clients benefit from his practical approach to handling their cases.
Kaz Espy
Kaz EspySenior Partner
The only thing sharper than Kaz’s suit, is his legal mind. Although he may very well be the best dressed attorney we’ve ever met, his most impressive quality is his smart, caring, down-to-earth attitude. He has a special talent for understanding his client’s concerns and it shows.
Chris Richardson
Chris RichardsonJunior Partner
It was during his service in Afghanistan that he truly discovered his passion for helping others, while working closely with the locals to improve their daily lives. Having come from a modest background, Chris understands that even hard-working people may fall on hard times.

Client testimonials

Our clients are our most valued asset. We evaluate our performance by our clients’ satisfaction.

“I can say today that my life has turned around all for the better and I owe it all to Cam’s patience and understanding of the bankruptcy laws…”
J. T.
“I recently got my discharge letter and can’t wait to start rebuilding my credit. I would highly recommend Espy, Metcalf, and Espy…”
T. C.
“They were highly respected by the trustee I had. They’re also very responsive to questions by email, which really really helps with the stresses…”
E. G.
“Chris put me at ease from the first email we exchanged and then answered all my questions and concerns when we met in person. Highly recommend…”
R. W.
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