Monroe Chapter 13 Bankruptcy Attorney Serving Monroe County and Southeast Michigan


A Chapter 13 bankruptcy is often called a wage earners bankruptcy. In a chapter 13 bankruptcy the debtor agrees to turn over their disposable income to the court for a period of 36 to 60 months. A Chapter 13 bankruptcy starts with the filing of a Chapter 13 bankruptcy petition. Once the petition is filed the court will assign a Chapter 13 trustee to oversee your case.

The main difference between a Chapter 7 and a Chapter 13 case is the filing of a Chapter 13 plan. The Chapter 13 plan is the debtor’s agreement with the Court as to how much income will be turned over to the court and how the trustee will pay the debts that have been filed in the case. At the end of the Chapter 13 plan the debtor is granted a discharge on any remaining unpaid debt.

A Chapter 13 bankruptcy can save your home. A Chapter 13 bankruptcy can stop a foreclosure and allow the debtor to catch up missed payments and avoid a foreclosure. A Chapter 13 bankruptcy can also eliminate a second mortgage. Through a procedure called a lien strip a second mortgage can often be treated as an unsecured debt and discharged at the close of your Chapter 13 case.

The Bruce Law Firm is expert at helping put the Bankruptcy Code to work for you. If we feel that a Chapter 13 bankruptcy is appropriate for you we will set you up with an appointment with an experienced bankruptcy attorney to assist you.

Whether you are in need of an attorney in the Monroe Michigan or Downriver Michigan areas our law firm is available to meet and consult with you at your convenience.