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Why Do Some People Choose Chapter 13 Over Chapter 7?

Why Do Some People Choose Chapter 13 Over Chapter 7?

What are the Advantages of Chapter 13 Bankruptcy?

Chapter 13 offers individuals a number of advantages when compared to liquidation under Chapter 7. One major difference is that a Chapter 13 plan allows consumers to keep their homes, even if they are in foreclosure. By filing under this chapter, individuals can stop foreclosure proceedings and may cure delinquent mortgage payments over time. They must still make all mortgage payments that come due during the Chapter 13 plan on time, however. Homeowners also have another powerful tool at their disposal. A Chapter 13 bankruptcy allows consumers to strip unsecured mortgages. A mortgage is unsecured when its value is not supported by the value of the house.

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