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Chicago Bankruptcy Clinic handles bankruptcy cases throughout Cook and DuPage.

Flat fees. Fast & friendly service.

Are you up to your head in debt? Struggling to pay monthly bills?

Bankruptcy may be able to help you get back on your feet. Please read below for more information:

Contact Chicago Bankruptcy Clinic – $995 FLAT ATTORNEY FEE

Chapter 13 is referred to as reorganization bankruptcy. Basically, it allows you to establish a plan to repay your debts, typically over a 3 to 5 year period. This form of bankruptcy also allows you to keep your property, however, you must have the income to keep up with the payment plan while also meeting your day-day expenses.

In a Chapter 13 reorganization, you are required to repay your creditors with disposable income, which is determined through a “means test.” This is a complicated assessment of the income you have available to pay your secured and unsecured debt. Our bankruptcy attorneys will work closely with you to help you pass the means test so that the bankruptcy can proceed.

In short, Chapter 13 bankruptcy provides you with a number of options to reorganize your debts, including:


Chapter 13 bankruptcy is what is also known as “reorganization bankruptcy.” Chapter 13 bankruptcy is filed by individuals who want to pay off their debts over a period of three to five years. A chapter 13 can be filed if you are behind on your mortgage or car loan, and want to make up the missed payments over time and reinstate the original agreement.

A chapter 13 can be filed for individuals who make too much to qualify for chapter 7 or are ineligible for chapter 7 because of a previous filing. Chapter 13 proceedings are complicated and take place over three to five years and as a result are more expensive than a Chapter 7 case.

Contact Chicago Bankruptcy Clinic today for your free consultation.

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Oak Brook, IL 60523

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