Protect Your Future With Chapter 13

Save your home, stop foreclosure, and reorganize your debt into a manageable plan.

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Understanding the Reorganization Plan

Chapter 13 bankruptcy is often referred to as a reorganization. Unlike Chapter 7, where you quickly eliminate your debt without a payment to a trustee, Chapter 13 allows you to keep your property—including your home—by creating an organized repayment plan over three to five years. This process is designed for individuals who want to catch up on missed mortgage payments, handle debts that are not dischargeable in Chapter 7, or those with income too high to qualify for Chapter 7.

Why Choose Chapter 13?

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Stop Foreclosure

Filing for Chapter 13 triggers an automatic stay that immediately halts foreclosure proceedings. It gives you the legal opportunity to cure delinquent mortgage payments over the life of your plan.

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Protect Non-Exempt Assets

If you have property that exceeds New York's bankruptcy exemptions, Chapter 13 allows you to retain those assets while paying creditors through your court-approved plan.

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Consolidated Repayment

Create a single monthly payment to a bankruptcy trustee, who then distributes funds to your creditors. This simplifies your finances and provides a clear end date for your debt.

Strategic Planning From an Experienced Advocate

Successfully navigating Chapter 13 requires a deep understanding of the Bankruptcy Code, federal bankruptcy rules, and the local rules for the Eastern and Southern Districts of New York. Matthew Zimmelman, Esq. has over 15 years of experience in creating the best possible terms for your repayment plan. You won't be passed to a junior associate or paralegal; Matthew Zimmelman personally crafts and oversees every plan we file with the courts.

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Do I Qualify for Chapter 13?

To qualify, you must have a regular source of income (which can include family contributions) and meet certain debt limits. During your consultation, Matthew Zimmelman will perform a thorough financial analysis to determine which chapter provides the best protection for your specific assets and long-term goals.

Create Your Plan for Recovery

Secure your home and your financial peace of mind. Contact Zimmelman Law to discuss your Chapter 13 options.