The chapter of the Bankruptcy Code providing for adjustment of debts of an individual with regular income. (Chapter 13 allows a debtor to keep property and pay debts over time, usually three to five years.) A chapter 13 bankruptcy is also called a wage earner’s plan. It enables individuals with regular income to develop a plan to repay all or part of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years. If the debtor’s current monthly income is less than the applicable state median, the plan will be for three years unless the court approves a longer period “for cause.” (1) If the debtor’s current monthly income is greater than the applicable state median, the plan generally must be for five years. In no case may a plan provide for payments over a period longer than five years. During this time the law forbids creditors from starting or continuing collection efforts. Chapter 13 offers individuals a number of advantages over liquidation under chapter 7. Perhaps most significantly, Chapter 13 offers individuals an opportunity to save their homes from foreclosure. By filing under this chapter, individuals can stop foreclosure proceedings and may cure delinquent mortgage payments over time. Nevertheless, they must still make all mortgage payments that come due during the chapter 13 plan on time. Another advantage of chapter 13 is that it allows individuals to reschedule secured debts (other than a mortgage for their primary residence) and extend them over the life of the chapter 13 plan. Doing this may lower the payments. Chapter 13 also has a special provision that protects third parties who are liable with the debtor on “consumer debts.” This provision may protect co-signers. Due to economic downturn many people are facing the problematic situation of not being able to meet all of their financial obligations. There are currently a multitude of companies that currently offer debt consolidation programs. The problem with most of these programs is that there is never a guarantee of success and many people end up in a worse position after these programs than when they began. At JMH Legal Group you will discuss your financial issues with an experienced attorney dedicated to helping you no matter what your specific problem is.

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Since 1991, D&W Law Group has been helping Chicagoland residents obtain both a medical and financial recovery when they have been injured by the negligence or wrongful conduct of another. Our civil justice system provides a way to help injury victims while holding wrongdoers accountable with money judgments obtained through settlements or court judgments. Our trial attorneys have the skills, experience and dedication needed to take down negligent parties and their insurance companies, and make them pay a full and fair amount of compensation to the victims they have harmed.

Jeff Goldstein is a franchise lawyer and founder of Goldstein Law Firm, PLLC. Mr. Goldstein is licensed to practice in Washington, D.C., Massachusetts, Pennsylvania, Illinois and New York and has three decades of experience. He represents franchisees and dealers nationally who are struggling with franchisor difficulties including but not limited to, antitrust violations, wrongful franchise terminations, franchise renewals, and other similar issues.

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"Chicago Immigration Advocates Law Offices provides professional and cost-effective immigration legal services to the public and corporations. As a long-standing member of the legal community for over 20 years, we have provided both family-based and employment-based immigration services meeting the highest standards. Our success before the Immigration Court, Board of Immigration Appeals, Northern District of Illinois, and Seventh Circuit Court of Appeals is unmatched of all the law firms in Chicago and the Midwest. We can meet all your immigration law needs, whether your company would like to gain a competitive advantage with the use of foreign workers or, as an individual, you wish to apply for legal permanent residency or naturalization."

At McCreadyLaw Injury Attorneys, our clients are our priority. Our Chicago personal injury lawyers know how devastating a personal injury can be for you and your loved ones. This is why we are ready to provide aggressive legal representation to get you the compensation you deserve for your injuries. Call our office today to schedule a free consultation if you or your loved one has been involved in a car accident, wrongful death, medical malpractice, truck accident, or another form of injury.