Vehicle loan cramdown doesn't just likely reduce your vehicle payments and the total you pay. You'd also not have to catch up on late payments....
Qualifying for a Cramdown
To qualify for a Chapter 13 vehicle loan cramdown, mostly your loan must be at least two and a half years old. There are exceptions to this....
Do you owe income taxes for 2018 AND Earlier Year
Do you owe income taxes for the 2018 tax year AND already owe for one or more tax years? Chapter 13 may be an especially good tool for you....
Writing Off or Discharging Debts in Chapter 7 and Chapter 13
Bankruptcy is about writing off or discharging debts. The timing of discharge is quite different in Chapter 7 and 13; both are permanent....
Dealing with your 2018 income taxes through a Chapter 13 Case Filed in 2019
Do you expect to owe income taxes for the 2018 tax year? Starting January 1, 2019 you can wrap that tax into a new Chapter 13 payment plan....
Filing Chapter 13 in 2019 to Write Off More Income Taxes
Chapter 13 is a riskier, longer, and maybe more expensive way to escape a dischargeable income tax deb--but may still be your best option....
Filing Bankruptcy in 2019 to Write Off More Income Taxes
With smart timing you can discharge--legally and permanently write off--more income tax debts, even with a standard Chapter 7 case....
Disadvantages of a Badly-Timed 5-Year Chapter 13 Case
Following up on last week's scenario, here are the financial, credit record, and other disadvantages of a forced 5-year Chapter 13 plan....
Filing Chapter 13 in January May Greatly Shorten Your Case
Do you need a Chapter 13 case? WHEN you file it can mean the difference between a payment plan that takes 3 years and one that takes 5....
Scenario: Filing Chapter 13 Now Shortens a Case by Two Years
Here's a scenario showing how the timing of your Chapter 13 filing can shorten your payment plan from 5 years to only 3....
The Surprising Benefits: Keeping Your Vehicle Lease under Chapter 13
You can keep your leased vehicle under Chapter 7 if you're current. If not, or have other reasons to do a Chapter 13 case, that works too....
The Surprising Benefits: Ending Your Vehicle Lease under Chapter 13
Chapter 7 gets you out of a vehicle lease owing nothing. Chapter 13 is more complicated but can give you pretty much the same good result....
Successfully Completing a Chapter 13 Case
A Chapter 13 case lasts a long time, but can have many advantages. Many of those advantages come only if you successfully finish it....
Challenging the Automatic Stay
A creditor might want to pay a claim through your insurance, or finish a lawsuit to establish that you got the debt through fraud....