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Wait 4 years after a previous Chapter 7 filing or 2 years after a previous Chapter 13 filing before you can file Chapter 13 again.
After essential living expenses and secured debt payments, you must have enough remaining income to fund a viable 3-5 year repayment plan.
Your unsecured debt cannot exceed $526,700 and secured debt cannot exceed $1,580,125 (2025 limits).
You must be current on income tax filings and provide proof of filed state and federal taxes for the past 4 years.
Complete required credit counseling within 180 days before filing from an approved nonprofit organization.
Standard court fee to process your case (may be paid in installments).
Fee to obtain and review your credit report as part of the application process.
Flexible Payment Plans!
Professional Legal Guidance varies by complexity and case.
Required credit counseling and financial management courses.
Chapter 7 is the fastest and simplest way to eliminate most (or even all) of your debts. In most cases, it only takes 3-6 months for all eligible debt to be eliminated.
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Chapter 13 doesn't erase debt. Rather, it reorganizes your debt and creates a manageable repayment plan. In most cases, these repayment plans take 3-5 years.
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