Chapter 13

Chapter 13 bankruptcy is designed for individuals with a steady source of income who need help managing overwhelming debt. Rather than eliminating debt immediately, Chapter 13 allows you to reorganize your financial obligations into a court-approved repayment plan that typically lasts three to five years.

This option can be especially helpful if you are behind on mortgage payments, facing foreclosure, or need time to catch up on secured debts such as car loans. Through Chapter 13, you may be able to stop foreclosure, prevent repossession, and consolidate debt into manageable monthly payments. In some cases, not all debts must be paid in full, and qualifying balances may be discharged at the end of the plan.

Attorney Holly Ripke understands that filing for bankruptcy can feel confusing and stressful. With over 25 years of experience serving Fort Wayne and Northeast Indiana, she provides clear guidance and compassionate support throughout the Chapter 13 process. From evaluating your income and expenses to preparing a repayment plan that fits your budget, our office works to protect your rights every step of the way.

Once your Chapter 13 case is filed, the automatic stay immediately stops creditor calls, lawsuits, wage garnishments, foreclosure proceedings, and other collection efforts. This legal protection allows you to focus on rebuilding financial stability while following a structured path toward debt relief.