Chapter 13


Dedicated to Your Financial Fresh Start

Many individuals who file for Chapter 13 bankruptcy are doing so to avoid foreclosure. In fact, the Chapter 13 Bankruptcy Law was created to help debtors who have fallen behind on their mortgage payments. At Van Ness Law, we are here to help you navigate the complex Chapter 13 bankruptcy process. We can help you avoid foreclosure by developing a repayment plan that will pay your creditors over three to five years.

With our help, you can stop foreclosure, avoid repossession, stop creditor harassment, and put an end to wage garnishment.

To find out if Chapter 13 bankruptcy is right for you, contact our firm today. We serve clients throughout Lake, Geauga, Ashtabula, Lorain, Portage, and Summit Counties.

Contact the Cuyahoga County Chapter 13 bankruptcy attorney online or by calling (440) 650-1787 today!

Understanding the Chapter 13 Bankruptcy Process

Chapter 13 is also known as "reorganization" bankruptcy. When you file for Chapter 13, you will still be required to pay your debts, but you will do so over a period of time.

This type of bankruptcy is ideal for those who have a steady income and can afford to pay back a portion of their debt.

There are several types of debts that are not dischargeable in Chapter 13 bankruptcy, such as:

  • Child support
  • Alimony
  • Student loans
  • Debts that arose from fraud

When you file for Chapter 13 bankruptcy, the court will issue an order that prohibits creditors from attempting to collect on these debts. If the court approves your repayment plan, the debts will be discharged after three to five years.

Top Advantages of Chapter 13 Bankruptcy

Filing for Chapter 13 bankruptcy can be a challenging decision to make, but it can also provide significant benefits for those struggling with debt. Here are some of the advantages of filing for Chapter 13 bankruptcy:

  • Asset Retention: Unlike Chapter 7 bankruptcy, Chapter 13 allows you to keep your assets while still addressing your debt. You will have to repay your creditors through a repayment plan, but you can keep your home, car, and other assets.
  • Foreclosure Prevention: If you are at risk of losing your home due to foreclosure, filing for Chapter 13 bankruptcy can help you stop the process and work out a repayment plan to catch up on missed payments.
  • Debt Reduction: Through the repayment plan, you can potentially reduce your debt by paying a portion of what you owe over a period of three to five years.
  • Simplified Debt Management: Chapter 13 bankruptcy consolidates your debts into one monthly payment, making it easier to manage your finances and stay on track with payments.
  • Creditor Interference Protection: Filing for Chapter 13 bankruptcy puts an automatic stay on collection activities, stopping creditor harassment and giving you some breathing room to get your finances in order.

If you are considering Chapter 13 bankruptcy, our Mayfield Heights bankruptcy lawyers can help you understand the process and determine if it is the right choice for your situation. Contact us today to schedule a consultation.

Experienced Guidance Through Chapter 13 Bankruptcy

At Van Ness Law, we can help you determine if Chapter 13 bankruptcy is right for you. If it is, we can help you complete your bankruptcy forms and file them with the court. We can also help you develop a repayment plan that will pay your creditors over three to five years.

Schedule your free initial consultation with our Cuyahoga County Chapter 13 bankruptcy team by calling (440) 650-1787 or filling out our online contact form today.


the Difference Between Chapter 7 & Chapter 13

Chapter 7 is known as "liquidation" bankruptcy. When you file for Chapter 7, your assets will be sold to pay your creditors. There are several exemptions to protect your property, however.

Chapter 7 is ideal for those who have little to no assets. If you have a lot of assets, Chapter 13 is likely the best option for you.

To schedule a free initial consultation with our attorney, contact Van Ness Law online or call (440) 650-1787.

Client Reviews

Read What They Say About Us
  • “Mr. Van Ness made this process smooth and worry free.”
    “He really made me feel relief...Can't thank him enough.”
    - Juanita B.
  • “One of the BEST LAWYERS!!!”
    “He plays no Games get right down to business & if he says he's on it.”
    - Airrion D,
  • “Mr. Van Ness explained everything in full detail and helped me understand the process.”
    “I can’t thank Mr. Van Ness and the front desk ladies enough. You’ve taken a massive burden off of my chest that I’ve been dealing with for years.”
    - Sarah R.
  • “I was nervous about filing bankruptcy until I sat down with Charles.”
    “To say that I left his office with excitement and confidence about my future would be an understatement. My experience was excellent. Charles is a true professional.”
    - Antonio J.
  • “Mr. Van Ness is an excellent lawyer and very responsive and respectful.”
    “He immediately puts you at ease and answer any questions you have. I was very nervous thru the whole process but as he said no question is silly.”
    - Pat G.
  • “I would definitely recommend Van Ness Law for your bankruptcy needs.”
    “I was also treated with respect and never felt ashamed or embarrassed because of the bankruptcy.”
    - Degra S.
  • “I can enthusiastically recommend Van Ness Law to anyone considering bankruptcy.”
    “Charles is very good at explaining the various aspects of the process and answers any questions in a timely manner.”
    - GN
  • “Mr. Van Ness and his staff were thorough, patient and helpful.”
    “They made certain we were comfortable with each step before proceeding.”
    - Leonard R.