Paying Employee Debt in Chapter 13
If you prefer to pay back wages to a present or prior employee, you can do so in Chapter 13 especially well if that debt is a priority one.
Resolve Mortgage Accounting Disagreements
Chapter 13 gives you valuable power to force your mortgage lender to be up front about how much you owe, and to efficiently dispute the amount.
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.
If you pay on or pay off certain debts it may create a preferential payment
Do you feel like you should pay on or pay off a certain debt now, even though you're behind on all your debts? It may be dangerous to do so.
The Chapter 13 Trustee
The Chapter 13 trustee is an important player in your "adjustment of debts" case so it helps to know how to deal with him or her.
Your Voluntary Dismissal of a Chapter 13 Case
The Bankruptcy Code explicitly says that, at the request of the person in a Chapter 13 case, the bankruptcy "court shall dismiss" the case.
Plan Modification After It’s Court-Approved
It's good to know that your Chapter 13 payment plan can be changed during the 3 to 5 years the case lasts to address changing circumstances.
Chapter 13 Plan Modification
Before committing to a Chapter 13 "adjustment of debts" it's good to know that its plan can likely be "modified" if your situation changes.
Using the Co-Debtor Stay of Chapter 13
If protecting your co-debtor from having to pay your debt is a high priority, Chapter 13 has a remarkable tool for doing that.
Treatment of Different Types of Creditors in Chapter 13
The laws about the treatment of different types of creditors can often be used in your favor to pay who you want or need to pay.
Resolving a Fraudulent Transfer Painlessly through Chapter 13
If you owe "priority" debts like income taxes and/or support payments, you may be able to pay no more while protecting a transferee.
Preventing Avoidance of Fraudulent Transfers through Chapter 13
Overall, Chapter 13 can be more powerful and more flexible than Chapter 7. That often also applies to a fraudulent transfer.
Fraudulent Transfers without the Actual Intent to Defraud
Selling or giving away something innocently, without trying to hurt your creditors, could still give the trustee the right to get it back.
Adversary Proceedings by the Trustee
Usually it's not hard to avoid getting into a dispute with your trustee. But you need to know the law and follow it.