Chapter 13 Bankruptcy Attorney in Scottsdale

A Repayment Plan That Fits Your Budget

If you are struggling with debt, but want to keep valuable property, Chapter 13 bankruptcy may be the right option for you. Under Chapter 13, a repayment plan is proposed to pay off a portion of the debts. At Reque Law Firm, PLLC, our Chapter 13 bankruptcy lawyer in Scottsdale can evaluate your financial situation and income to help you determine the best method for resolving debt problems.

Learn if Chapter 13 bankruptcy is right for you in a free consultation. Call (602) 428-9565 for an appointment.

Chapter 13 Repayment Plan

Chapter 13 bankruptcy is often a better option than Chapter 7 bankruptcy for people who want to keep certain assets, such as a home or a vehicle. You must have a regular income, including some disposable income that can be used for the repayment plan. The repayment plan can last from three to five years. The specific length of the repayment plan and amount of the payments vary, according to the amount of disposable income.

Many people use Chapter 13 bankruptcy to:

  • Prevent foreclosure
  • Catch up on back mortgage payments
  • Bring auto loans current and keep vehicles
  • Pay back taxes
  • Stop interest on tax debt

At the end of the three to five year repayment play, your remaining unsecured debts will be discharged, as long as you follow the plan and keep up with the payments. Your credit card debt, unsecured loans, and other unsecured debt will be eliminated, so you can move forward to a more secure financial future. You will be able to keep your car, home, and other secured assets, as long as you continue to make your payments.

Determining Eligibility for Chapter 13 Bankruptcy

A means test is used to determine eligibility for Chapter 13 bankruptcy. You must have a regular source of income and enough money left over after paying your basic bills to put toward a repayment plan. Otherwise, Chapter 7 may be the better option. Our bankruptcy attorney in Scottsdale can discuss your situation and provide the information you need to make the best decision for your financial future.

Please contact us at (602) 428-9565 to schedule a consultation.

Reque Law Firm

Let Us Take Your Burden and Free You
  • Payment Plans Available
  • Available Saturday by Appointment
  • Fluent in Spanish and Portuguese
  • Free Initial Consultations

Helping Clients

Open Up Their Future to Freedom
  • “From the moment we met with her, she put peace in our minds.”

    - Susan M.

  • “Could not have asked for any better representation!”

    - Natalie H.

  • “She took so much stress out of our lives”

    - Martin V.

  • “She never gave up and got the matter resolved”

    - A.H.

  • “Professional and very Ethical.”

    - Paul M.


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