Chapter 13, often called "The Wage Earner's Plan", is designed for those debtors who have a steady income but are not able to meet their monthly debt payments. 

Chapter 13 requires a debtor to propose a plan to repay a portion of their debt through the United States Bankruptcy Court. Our family of attorneys at The Law Offices of Tom C. Smith has been developing and implementing the correct plan for each debtor's situation for more than 25 years. Let our family help your family to a fresh start.