Law Office of 
Charles E. Andersen

chapter 13 bankruptcy attorneys file chapter 13 with our online application
debtor reorganization plans
Chapter 13 is a means by which an individual overwhelmed with debt.. can remain in control of her personal financial affairs and repay her debts while keeping her property
file a repayment plan

several things are required for plan confirmation












A Chapter 13 plan must be proposed in good faith

Payment Orders:  Alter a plan has been confirmed, the court may order the debtor's employer, or any other entity providing income to the debtor, to make direct payments to the Chapter 13 trustee. The Social Security Administration, however, is not subject to such income deduction orders concerning the debtor's social security benefits.


PAYMENTS: Commencement of Payments:

 The debtor's payments under a proposed plan must begin within thirty days after the plan is filed, unless the court rules otherwise. Any payment made before confirmation of a plan must be held by the trustee until the confirmation hearing. If the plan is confirmed, then the trustee makes distribution as provided for by the plan, However, if confirmation is denied, the money must be returned to the debtor, less any unpaid administrative expenses that have been allowed. [B.C. 1326(a)(2)] I).


Distribution:  Ordinarily, the payments under a confirmed plan are sent to creditors by the trustee unless the plan or the confirmation order provides otherwise, such as where a debtor engaged in business is allowed to perform this function. [B.C. 1326(c)


Administrative Expenses:  Prior to or concurrent with each payment to creditors under a Chapter 13 plan, the trustee is required to pay any unpaid administrative expenses or bankruptcy lees or charges, as well as the percentage fee set for a standing trustee (where one has been appointed). [B.C. !326(b)] The deadline for paying the entire filing fee for the Chapter 13 petition is the time of the first payment to creditors


Post confirmation matters

file for no money down with a repayment plan and an order from the bankruptcy court
calling for plan payments to be made


$0.00 down for chapter 13 cases







Chapter 7 & 13

If you qualify



  • Creditor Harassment
  • Foreclosure
  • Repossessions


  • Credit Card and Medical Bills

** For Chapter 13 cases with wage order, with the balance paid through a trustee as part of a payment plan and not paid directly to the attorney. Court Filing Fee is extra.






Free Consultation

Reasonable rates






file chapter 13
with our easy no money down policy call our office for a free no obligation consultation

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plan confirmation hearing plan is confirmed subject to lien avoidance motion within 30 days
Charles E. Andersen representing the debtor a New York State attorney not a bankruptcy petition preparer