While you can technically navigate the process solo, having an attorney can be a real lifesaver. They can help ensure you’re on the right path and avoid any bumps along the way.
Rebuilding your credit post-Discharge is possible! Start by paying bills on time, keeping credit balances low, and maybe getting a secured credit card to show you're responsible.
Yes, you can often keep your property! One of the perks of Chapter 13 is you work out a plan to catch up on missed payments.
When you get a Chapter 13 Discharge, it mainly clears out unsecured debts, like credit cards and medical bills, while secured debts, like your mortgage, usually stay.
Typically, it takes about three to five years to complete the repayment plan before you can get your Chapter 13 Discharge. It’s a journey, not a sprint!