• August 3, 2022

    Chapter 13 as a Home Equity Loan?

    Chapter 13 can serve the same purpose as a home equity loan.  If you are unable to get a home equity loan or refinance, you can use Chapter 13 instead to achieve nearly identical goals.   The only restriction is that the “loan” (the case) would need to be paid back within 5 years. Chapter 13 […]

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  • July 20, 2022

    Chapter 13 is On the Rise In Indiana

    Chapter 13 cases are on the rise in Indiana.  Many of these cases are on the rise proportionally only.  The ratio of Chapter 13 versus Chapter 7 is much higher than normal.   Chapter 13 cases are especially being filed due to the increase in home values. Indiana Chapter 13 on the Rise Due to Home […]

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  • July 6, 2022

    Do Indianapolis Chapter 13 Require Wage Assignments?

    In Indianapolis, the Chapter 13 trustee always recommends a wage assignment.   The wage assignment automatically takes out your payment in your Chapter 13 case from your paycheck.  It is very similar to a garnishment except for it pays all of your creditors through Chapter 13.   Near Indianapolis, Chapter 13 wage assignments are not required.  They […]

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  • June 22, 2022

    Chapter 13 Pays Your Mortgage Payment in Indiana

    Did you know that Chapter 13 pays your mortgage payment in Indiana? If your mortgage payment is behind, you can pay your mortgage payment through Chapter 13.  You will be able to force the mortgage company to start taking your payment again. You can also pay the mortgage and any behind amount right through the […]

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  • June 8, 2022

    What Do Indiana Chapter 13 Attorneys Charge Down?

    In Indiana, Chapter13 trustee fees are usually court set.  This means that you can likely rest assured your attorney is not overcharging for the case.  It also means you can pay your Chapter 13 attorney fees through your case.    For this reason, it is usually more important to know what Indiana Chapter 13 attorneys charge […]

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  • May 25, 2022

    Chapter 13 is Good to File When Interest...

    With inflation and interest rates on the rise, it is a better time than usual to file Chapter 13.  Chapter 13 is good to file when interest rates are on the rise.  It will lock your rates at a low, set amount.  Many times, you will not be forced to pay all your debt back.  […]

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  • May 11, 2022

    Does Bankruptcy Get Rid of Car Loans and...

    Chapter 7 Bankruptcy can allow you to never pay your car loan ever again.  You could then have a paid-in-full car, right?  Unfortunately, this is not allowed in most cases.  In most cases, you will need to keep paying your car loan after bankruptcy in order to keep the car.  That is the default in […]

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  • April 27, 2022

    Can You Pay Student Loans through Chapter 13?

    Student Loans through Chapter 13 Bankruptcy Student loans always seem to have a special status with the law and courts.  The same applies to Chapter 13.   Student loans can be treated in different ways in most Chapter 13 cases.  You may even be able to pay your student loans through Chapter 13. Student Loans are […]

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  • April 6, 2022

    Auto Loan and Bankruptcy

    Can I Get Rid of an Auto Loan and Keep My Car in Bankruptcy? You usually surrender a car in bankruptcy to get rid of a car loan.  Can you instead just get rid of the car loan but keep the car after bankruptcy?   The answer to this is usually “no.”  The car creditor will […]

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  • March 23, 2022

    Houses and Bankruptcy

    How much of a House Can You keep in Indiana Bankruptcy? In Indiana, it is important to know how much of a house you can keep in bankruptcy.  This is especially important in Chapter 7 bankruptcy because this amount determines whether or not the Trustee may want to examine your house.   You can only keep […]

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