Chapter 13 Bankruptcy Laws - Chapter 13 bankruptcy laws have been put in place to allow a person to pay his or her debts/bills without having his or her debtors foreclose or take any negative action toward the person while he or she is under a chapter 13 plan. The Chapter 13 bankruptcy laws are pretty broad and would require several hundreds of pages to explain all of the ins and outs and this article is meant to be only a brief introduction of what the Chapter 13 bankruptcy laws are about and how they might relate to you. It would be in your best interest, if you would like to understand the Chapter 13 bankruptcy laws more in depth, to purchase one of the many great books which take you into the very heart of the Chapter 13 bankruptcy laws. You can find several books on Amazon or at your neighborhood bookstore.
The basic concept of the chapter 13 bankruptcy laws is to allow you to save yourself from losing personal property, such as your home your car or to have your wages garnished, which would cause you undo hardship. The chapter 13 bankruptcy laws differ from chapter 7 bankruptcy laws, in that the court will set up a payment plan, to be carried out by a court appointed trustee and distributed to your current debtors to keep you from losing property. Whereas in a chapter 7 bankruptcy, your property is sold and used to pay back your debtors.
The Chapter 13 bankruptcy laws allow for a bankruptcy court to set up a budget which you are required to stick to, as well as set up a plan whereby you must send your trustee a certain amount of money each month to be used to pay back your current debt. This is often accomplished through automatic withdrawals. You should be aware that the chapter 13 bankruptcy laws are very strict, regarding what you spend and during the length of the plan. The Chapter 13 bankruptcy laws allows for a 3 to 5 year repayment plan, during which time many of your debts may be paid off with no repercussions from your debtors. Once you have successfully completed your Chapter 13 plan, most of your debts will be discharged, though some debts such as alimony, child support and mortgages are exempt from this discharge.
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