CREATING A CHAPTER 13 REPAYMENT PLAN ✅ BUSINESS ✅ SERVICES

Stage 1: Initial Consultation and Information Gathering

Attorney's Actions:

Conducting detailed consultation with client to clarify financial situation, assets, income, debts.

Collecting and analyzing financial documents: tax returns, account statements, creditor lists, loan agreements, income and expense reports.

Assessing eligibility for Chapter 13 filing.

Stage 2: Development of Individual Repayment Plan

Attorney's Actions:

Analysis of client's capacity for regular payments considering income and expenses.
Drafting a debt repayment plan that meets court and creditor requirements.
Reviewing the plan with client and making adjustments.

Stage 3: Preparation and Filing of Court Documents

Attorney's Actions:

Preparation of complete court documentation package including bankruptcy petition, detailed repayment plan, financial statements.

Verification of document accuracy and completeness.

Filing documents with the appropriate federal bankruptcy court.

Notifying creditors of the petition filing.

Stage 4: Court Hearing Representation

Attorney's Actions:

Participation in the first bankruptcy hearing (341 meeting) and other required court proceedings.
Protecting client's interests, responding to judge's and creditors' questions.
Resolving issues that arise during repayment plan consideration.

Stage 5: Repayment Plan Monitoring

Attorney's Actions:

Monitoring client's compliance with payment schedule.

Resolving potential issues with creditors or court during plan execution (income changes, plan modifications, etc.).

Providing ongoing consultation regarding plan obligations and next steps.

Duration: 3-5 years (plan term)
Estimated Cost: $100 - $300 per month or hourly rate

Chapter 13 Repayment Plan

Chapter 13 is a chance to keep your home, stop collectors, and repay your debts according to a realistic, manageable schedule. We don't make empty promises: we create a plan that the court will approve and creditors will accept.

What is included in the service?

Full initial consultation: we quickly understand your situation and create a roadmap.
Gathering and preparing all documents for the bankruptcy court.
Detailed analysis of income and expenses — to ensure the plan is realistic and feasible.
Creating an individual payment schedule that meets legal requirements.
Negotiations with creditors and servicers — we aim to reduce demands and settle disputed items.
Filing the plan with the court and full representation at hearings.
Support during plan execution — we monitor implementation to ensure compliance with the agreement.

Why is it risky without a lawyer?

The court and creditors require precision: one error in documents or an incorrect budget assessment — and the plan will be rejected. A lawyer:

knows how to properly prepare documents and substantiate solvency;
is skilled in conducting difficult negotiations with creditors;
reduces the chance of errors that could lead to plan dismissal or loss of assets.

How does it work?

Data collection and analysis of your budget.
Drafting the repayment plan — we develop several options.
Coordination with creditors, resolving disputed issues.
Filing with the court and participation in the hearing.
Support during the execution period — we monitor creditor compliance with agreements.

Who is eligible?

You have a regular income and can make plan payments;
your total debt meets Chapter 13 requirements;
you are ready to cooperate honestly and fulfill the payment obligations.

Summary

With our support, you will get a practical, legally sound debt repayment plan that really works: it protects your property, stops collection actions, and gives you a chance to restore financial stability. We handle your case from A to Z — you pay on a convenient schedule and regain control of your life.