chapter 13

A solution to financial problems

Chapter 13 may consolidate your debt into smaller payments you can afford.

Are you eligible?

You are if you file as an individual or as the owner of a small business unless you are a stockbroker or commodity broker.


If you make enough income to support a three-to-five-year repayment plan and to cover a practical living budget, you can file for debt relief under Chapter 13.


As a small business owner you must owe no more than $394,725.00 in unsecured and $1,184,200.00 in secured debts in order to file a Chapter 13 plan.  You must be able to repay at least part of these debts within three to five years under your Chapter 13 plan.

Filing a plan

You need the guidance of a lawyer to help you decide whether Chapter 13 is the right solution for you.  If it is, the attorney can prepare a plan, file it with the U.S. 

Chapter 13 Benefits


  • Your payments are carefully budgeted and are usually lowered.


  • The court controls the cost.


  • Creditors can no longer contact you or garnish your wages.



  • Many creditors charges are usually stopped.

  • Repossession and foreclosures are usually stopped.

  • Co-signers are usually protected.

  • The court may reject invalid claims against you.


  • Your savings and equity may be protected.


  • Some unwanted contracts may be cancelled.

Chapter 13 Plan

  • Less embarrassment.

  • Reduced payments to fit a budget 

  • Help from the U.S. Bankruptcy Court 

  • No surprise fees 

contact us

2610 Montana Ave. 79903 

11351 James Watt dr. Bldg. C-100 79936

el paso, tx
[email protected]