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Can I file Chapter 13 Bankruptcy if I am behind on my house payments?

Posted by Ellen Brown | Jun 05, 2024

If you're facing financial difficulties and falling behind on your house payments, you're not alone. Many individuals find themselves in similar situations due to unforeseen circumstances such as job loss, medical expenses, or other financial challenges. The good news is that there are legal options available to help you regain control of your finances and protect your home, including Chapter 13 bankruptcy.

Understanding Chapter 13 Bankruptcy

Chapter 13 bankruptcy\ is designed to provide individuals with a structured repayment plan to catch up on missed payments and manage their debts over a period of three to five years. 

Benefits of Chapter 13 Bankruptcy for Homeowners

If you're behind on your house payments and facing the threat of foreclosure, Chapter 13 bankruptcy can offer several benefits:

  1. Automatic Stay: Filing for Chapter 13 bankruptcy triggers an automatic stay, which immediately halts foreclosure proceedings and other collection actions by creditors. This gives you time to work with your attorney to develop a repayment plan..

  2. Repayment Plan: One of the primary advantages of Chapter 13 bankruptcy is the opportunity to create a court-approved repayment plan that allows you to catch up on missed mortgage payments over time. Your repayment plan will be based on your income and expenses, ensuring that it is feasible and manageable for you.

  3. Debt Consolidation: In addition to addressing your mortgage arrears, Chapter 13 bankruptcy allows you to consolidate and manage other debts, such as credit card debt, medical bills, and personal loans. By incorporating these debts into your repayment plan, you can streamline your finances and make them more manageable.

  4. Protection of Assets: Chapter 13 allows you to retain ownership of your property while repaying your debts. This means you can keep your home and other valuable assets throughout the bankruptcy process.

Working with Our Law Firm

As experienced bankruptcy attorneys, we understand the stress and uncertainty that come with falling behind on your house payments. Our goal is to provide you with compassionate legal guidance and support to help you navigate the Chapter 13 bankruptcy process successfully.

When you choose our law firm to represent you, we'll start by conducting a thorough review of your financial situation and discussing your goals and concerns. From there, we'll work collaboratively to develop a customized Chapter 13 repayment plan that addresses your specific needs and circumstances.

Throughout the bankruptcy process, we'll advocate on your behalf and ensure that your rights are protected every step of the way. Brown and Seelye is committed to helping you achieve financial stability and preserve your home for the future.


If you're behind on your house payments and considering Chapter 13 bankruptcy, don't wait until it's too late to seek legal assistance. Our experienced attorneys at Brown and Seelye are here to provide you with the guidance and support you need to navigate the bankruptcy process with confidence.

To learn more about Chapter 13 bankruptcy and how it can help you save your home, please contact our law firm to schedule a free consultation. We're here to help you take control of your finances and build a brighter future for yourself and your family.

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