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


Co-Debtor Stay


        One of the unique features of a Chapter 13 case is that the automatic stay applies not just to the debtor but also to creditors of non-filing co-debtors of the debtor.



Relief from the co-debtor stay:


A creditor may be granted relief from the co-debtor slay under any of the following circumstances:


  • To the extent that the co-debtor was the actual recipient of the consideration for the claim, the creditor may be granted relief from the stay.

  • To the extent that the creditor's claim will not be paid under the debtor's proposed Chapter 13 plan, the creditor may receive relief from the stay.

  • Where the creditor will be irreparably harmed if the stay remains in effect, relief from the stay will also be grante

Chapter 13 Administration


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