Descripciones mejoradas de Syndetics:

Stop creditors. Get more time to pay.

Chapter 13 bankruptcy offers unique debt solutions not available in Chapter 7 bankruptcy. Yes, you'll pay into a repayment plan. But your money will go toward the debts that matter most--like your mortgage, car loan, support obligations, and taxes. Remaining debts, such as credit card balances, medical bills, and utility bills, usually get only a fraction of what you owe.

Some of Chapter 13 bankruptcy's other features include allowing filers to:

keep all property avoid foreclosure and vehicle repossession pay the fair market value for a car, and stop lawsuits, wage garnishments, and bank levies.

This revised edition covers all the latest changes in bankruptcy and is eco-friendly--we've moved many tables and forms online!

Tabla de contenidos provista por Syndetics

• Part I Is Chapter 13 Right for You?
• 1 How Chapter 13 Works(3)
• An Overview of Chapter 13 Bankruptcy(6)
• Debts Discharged in Chapter 13 Bankruptcy(14)
• Chapter 13 Bankruptcy and Foreclosure(16)
• Special Chapter 13 Features: Cramdowns and Lien Stripping(17)
• Is Chapter 13 Right for You?(21)
• Alternatives to Bankruptcy(23)
• 2 The Automatic Stay(29)
• How the Automatic Stay Works(30)
• How Long the Stay Lasts(30)
• How the Stay Affects Common Collection Actions(31)
• How the Stay Affects Actions Against Codebtors(35)
• When the Stay Doesn't Apply(35)
• Evictions(37)
• 3 Are You Eligible to Use Chapter 13?(43)
• The Effect of a Previous Bankruptcy Discharge(44)
• Business Entities in Chapter 13(45)
• Chapter 13 Debt Limits(45)
• Providing Income Tax Returns(47)
• Child Support and Alimony Payment Requirements(47)
• Annual Income and Expense Reports(48)
• Drafting a Repayment Plan(48)
• Paying to Keep Nonexempt Property(50)
• You Must Take Two Educational Courses(51)
• 4 Do You Have to Use Chapter 13?(53)
• What Is the Means Test?(54)
• The Means Test(56)
• Classifying Your Debts(70)
• Forced Conversion to Chapter 13(74)
• 5 Can You Propose a Plan the Judge Will Approve?(75)
• Repayment Plan Calculations: An Overview(77)
• If Your Current Monthly Income Is Less Than Your State's Median Income(78)
• If Your Current Monthly Income Is More Than Your State's Median Income(89)
• Understanding Property Exemptions(93)
• 6 Making the Decision(103)
• Part II Filing for Chapter 13 Bankruptcy
• 7 Complete Your Bankruptcy Forms(117)
• Required Forms, Fees, and Where to File(119)
• For Married Filers(122)
• Voluntary Petition for Individuals Filing for Bankruptcy (Form 101)(124)
• Forms Relating to Eviction judgments (Forms 101A and 101B)(124)
• Schedules (Forms 106A/B-J)(124)
• Summary of Your Assets and Liabilities and Certain Statistical information (Form 106Sum)(138)
• Declaration About an Individual Debtor's Schedules (Form 106Dec)(138)
• Your Statement of Financial Affairs for Individuals Filing for Bankruptcy (Form 107)(138)
• Your Statement About Your Social Security Numbers (Form 121)(140)
• Chapter 13 Statement of Your Current Monthly Income and Calculation of Commitment Period and Chapter 13 Calculation of Your Disposable Income (Forms 122C-1 and 122C-2)(141)
• Disclosure of Compensation of Attorney for Debtor (Form 2030)(141)
• Mailing Matrix(141)
• Income Deduction Order(141)
• 8 The Chapter 13 Plan(143)
• National Chapter 13 Plan (Form 113)(144)
• Chapter 13 Plan Requirements(145)
• Repayment of Unsecured Debts: Allowed Claims(148)
• Drafting Your Plan(149)
• Sample Plan(155)
• 9 Filing the Bankruptcy Case(157)
• Other Documents You'll File(158)
• Paying the Filing Fee(161)
• Electronic Filing(161)
• Emergency Filing(162)
• After You File(162)
• 10 Handling Routine Matters After You File(163)
• The Automatic Stay(164)
• Dealing With the Trustee(164)
• Make Your First Payment(167)
• If You Operate a Business(170)
• The Meeting of Creditors(171)
• Changing Your Plan Before the Confirmation Hearing(177)
• The Confirmation Hearing(178)
• Changing Your Plan After a Failed Confirmation Hearing(180)
• Amending Your Bankruptcy Forms(181)
• Filing a Change of Address(181)
• Filing Tax Returns(181)
• Redacting Sensitive Information(181)
• Filing Annual Income and Expense Statements(182)
• Personal Financial Management Counseling(182)
• Chapter 13 Debtor's Certifications Regarding Domestic Support Obligations and Section 522(a) (Form 2830)(183)
• Part III Making Your Plan Work
• 11 "If Common Legal Issues(187)
• Filing Motions(188)
• Dealing With Creditors' Motions(189)
• If an Unsecured Creditor Objects to Your Plan(192)
• Handling Creditor Claims(196)
• Asking the Court to Eliminate Liens(198)
• 12 Carrying Out Your Plan(203)
• Your Income Increases(204)
• Selling Property(205)
• Modifying Your Plan When Problems Come Up(205)
• Attempts to Revoke Your Confirmation(209)
• When You Complete Your Plan(209)
• 13 If You Can't Complete Your Plan(213)
• Dismiss Your Case(214)
• Convert Your Case to Chapter 7 Bankruptcy(214)
• Seek a Hardship Discharge(216)
• 14 Life After Bankruptcy(219)
• Rebuilding Your Credit(220)
• Attempts to Collect Discharged Debts(226)
• Postbankruptcy Discrimination(228)
• Attempts to Revoke Your Discharge(229)
• Part IV Help Beyond the Book
• 15 Hiring and Working With a Lawyer(233)
• What Does Legal Representation Mean?(234)
• How to Find a Bankruptcy Lawyer(235)
• What to Look for in a Lawyer(235)
• Paying Your Lawyer(238)
• Working With Your Lawyer(240)
• 16 Legal Research(241)
• Where to Find Bankruptcy Law(242)
• Bankruptcy Background Materials: Overviews, Encyclopedias, and Treatises(243)
• Finding Federal Bankruptcy Statutes(246)
• Finding the Federal Rules of Bankruptcy Procedure (FRBP)(247)
• Finding Local Court Rules(247)
• Finding Federal Court Bankruptcy Cases(248)
• State Statutes(249)
• State Court Cases(250)
• Other Helpful Resources(250)
• Glossary(253)
• Appendix
• How to Use the Downloadable Forms on the Nolo Website(271)
• List of Forms Available on the Nolo Website(271)
• Index(273)

Notas de autor provistas por Syndetics

Cara O'Neill is a bankruptcy and litigation attorney and a legal editor with Nolo. She has been practicing law for over 25 years and is the author of Nolo's How to File for Chapter 7 Bankruptcy, The New Bankruptcy, Everybody's Guide to Small Claims Court, and more.