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The payment plan in a chapter 13 is the core of the bankruptcy case.  The payment plans lays out how much each creditor will receive, how long the debtor will have to pay, the value of the debtor’s property, and more.  The amount you pay will be based on your “disposable income.”  As the petitioner your goal is to stay current with your payments to the trustee, which are usually monthly. Included in your monthly payments will be payments made to your attorney instead of paying your attorney up front in a Chapter 7.  Once you have successfully made each payment on time, you will be granted a discharge on remaining debts.

Unfortunately, clients often fail to follow the payment plan and find themselves in jeopardy of having their case dismissed.  However, do not panic, there are still options available depending on your current financial position, and if you qualify.

For starters, if there is unexpected emergency don’t be afraid to request more time to catch up on your delinquent payments.  Courts understand there are temporary emergencies and will work with you to get back on track if you notify the court promptly.

Second, you might have the option to modify your chapter 13 plan when you involuntarily lost your job, or you wages were significantly reduced.  With that said any new payment plan will need to be provided with documentation to support the change.

Third, if the payment plan is no longer feasible and you qualify, then converting your case to a chapter 7 can give you a quick discharge.

Fourth, is to request a hardship discharge but is extremely difficult to accomplish.  Usually, if none of these options are possible then you might have no choice but to dismiss your case and refile.  Make sure to notify your attorney immediately if you are in jeopardy of falling behind in your payments so they can evaluate your best option.

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Our Locations

  • Phoenix Office – New
    Wright Law Offices 
    2999 N. 44th St., Ste 600
    Phoenix AZ 85018 

    Telephone: 602-456-6085 / 866-703-3287
    Phoenix Law Office
  • Phoenix Office – Old
    Wright Law Offices 
    668 N. 44th St., Ste 320
    Phoenix AZ 85008 

    Telephone: 602-456-6085 / 866-703-3287
    Phoenix Law Office
  • Scottsdale Office 
    Wright Law Offices 
    7135 East Camelback Road, Ste 230
    Scottsdale AZ 85251 

    Telephone: 480-845-0145 / 866-703-3287
    Scottsdale Law Office

  • Tempe Office 
    Wright Law Offices 
    2238 S. McClintock Dr.
    Tempe AZ 85258 

    Telephone: 480-845-0145 / 866-703-3287
    Tempe Law Office

  • Avondale Office
    Wright Law Offices 
    12725 W Indian School Rd, Suite E-101
    Avondale AZ 85392 

    Telephone: 623-258-4480 / 866-703-3287
    Avondale Law Office

  • Mesa Office
    Wright Law Offices 

    4856 E. Baseline Rd.
    Suite #104
    Mesa, AZ 85206
    Telephone: 480-845-0145 / 866-703-3287
    Mesa Law Office

  • Glendale Office 
    Wright Law Offices 
    20325 N. 51st Ave., Suite 134
    Glendale, AZ 85308
    Telephone: 623-258-4480 / 866-703-3287
    Glendale Law Office

What our clients are saying…

TOP Rated PHOENIX BANKRUPTCY ATTORNEY

Mr. Wright and his staff were amazing. They made a negative situation a lot better and turned it into a positive. Could really tell they care helping people and I will refer their Phoenix Bankruptcy Attorney firm to friends and family. Thanks again.

Tara
TOP Rated PHOENIX BANKRUPTCY ATTORNEY

I called around looking for the right bankruptcy lawyer and came across Benjamin Wright. He personally called me for the consultation seeing how I live in Kingman AZ. He was very helpful from the start and his staff was very friendly and explained any questions I had, sorry for all the questions. I would definitely recommend Wright law offices, and I do!! Thanks for everything, you made what seemed like a hard thing to do simple!! You guys rock!!!

Steffanie
TOP Rated PHOENIX BANKRUPTCY ATTORNEY

Great lawyer, he really helped my mother out of a jam. She was totally new to bankruptcy and he talked with us for about an hour and a half to make sure she wouldn’t be worried.

Damian
TOP Rated PHOENIX BANKRUPTCY ATTORNEY

Ben is a kind and down to earth attorney. He worked around my busy schedule as a single mom (school, full-time job, and daycare pick up and drop off times). He explained absolutely everything to me and was good about e-mailing. I am writing this review as a THANK YOU.

Shannon
TOP Rated PHOENIX BANKRUPTCY ATTORNEY

I had a very positive experience with Attorney Wright. He or his staff returned my e-mails and calls promptly (even after business hours occasionally). His fees were reasonable. He was patient with me when I showed up in court missing an important document. He is aggressive, but fair and nice.

Jenna