Like with any damage to your creditworthiness, it's possible to rebuild your credit with some. Lawyers: David C. Upsolve Helps People Get Relief without a Bankruptcy Attorney. The order will include the dates and the installment amounts that will be required to be paid to the Bankruptcy Clerk’s Office. Page Last Reviewed or Updated: 05-Jul-2023. Skip to content. Chapter 12: Family Farmers. Chapter 13 Checklist. Box 6630 Reno, NV 89513 Phone (775) 324-2500, Fax (775) 324-3313 [email protected] cannot declare for Chapter 7 if you have gone through Chapter 13 bankruptcy in the last six years. The Law Office of Scott N. Complete the purchase. Chapter 13 Bankruptcy in Reno Chapter 13 filing will help you to create a plan of debt repayments that works for your life and your income. The Bankruptcy Court will not force any modification and will make no adjudication except with the. 7. We Will Instantly Connect You with a Chapter 13 Bankruptcy Lawyer for a Free Consultation. The Chapter 7 bankruptcy cost may even be different if you are filing in Reno vs. We offer free, no-risk consultations. In total, customers spend an average of $999-$1,183 for their services. By Cara O'Neill, Attorney. Reno Bankruptcy Lawyer - Darby Law Practice 775-636-6791 Know your rights responsibilities and option . A Chapter 13 bankruptcy debtor can buy a needed car or appliance on credit if approved by the bankruptcy court. Two of the most common types of personal bankruptcy are Chapter 7 and Chapter 13. Call Us Now For a Free Consultation (702) 879-7968; BANKRUPTCY. Tisevich helps clients make informed decisions in bankruptcy as a path toward a better financial. Wage Earner Plan (Chapter 13 Bankruptcy): Also known as a Chapter 13 bankruptcy, this enables individuals with regular income to develop a plan to repay all or part of their debts for a period of. For over a decade, David C. Add all gross income earned during the last six months and multiply it by two. You may wish to obtain the services of an attorney. Often called the 'liquidation chapter,' Chapter 7 is used by individuals, partnerships, or corporations who have no hope for repairing their financial situation. Posted: November 8, 2023. An individual with a regular income who is overcome by debts, but believes such debt can be repaid within a reasonable period of time, may file under Chapter 13 of the Bankruptcy Code. Hearing Location ONLY. Bankruptcy Court District of Nevada 300 Las Vegas Blvd. New Hampshire Bankruptcy Chapter 13 Lawyers There are 27 bankruptcy chapter 13 lawyers, with 27. Find Nevada attorney Nicholus Palmer in their Reno or Reno office. The clerk’s office is prohibited from giving. Affordable Chapter 13 Bankruptcy Lawyer In Reno, NV. Local Rule 4001-1 [RELIEF FROM AUTOMATIC STAY -- Amended [August 4, 2008] Relief from Stay/Adequate Protection Exhibit and Worksheet -- Real Estate and Cooperative Apartments [Fillable PDF] Form 362(d) Order (MS Word) William A. All such federal tax returns must be filed with the IRS before the. 871 Coronado Center Drive, Henderson, NV 89052. And you ought to seek expert advice. Chapter 13 Meeting of Creditors . In 2021, there were 288,327 Chapter 7 filings and 120,002 Chapter 13 filings in the U. Filing for Chapter 13. 09:00 AM 23-50631-HLB . Courts refer to Chapter 13 bankruptcy as a “wage earner’s plan. 11 U. She’ll talk with you about your situation, the debts you’d pay off during Chapter 13, and whether a court may discharge any of your debts. 80. EASTERN AVE. Call Us Now For a Free Consultation (702) 879-7968; BANKRUPTCY. . Affordable Chapter 13 Bankruptcy Lawyer In Reno, NV. Several studies suggest that medical debt is a significant cause of many of the bankruptcies in America. Bankruptcy, Business and Real Estate. Filing Reno Chapter 7 bankruptcy can delay an eviction from a few weeks to a few months, which may be long enough if you just need a little time to find a new place to live. Cecilia Lee began the practice of law in 1986 in Portland, Oregon as an appellate lawyer with the law firm of Schwabe Williamson & Wyatt. Reno Contracting, Inc. Legal aid organizations provide help with civil matters like bankruptcy to low-income individuals. A Chapter 11 may also help individuals with large debts that exceed the Chapter 13 eligibility. net. All bankruptcy courts charge a $338filing fee to file a Chapter 7 bankruptcy. The vast majority of Chapter 11 cases are filed by businesses. Use our free directory to instantly connect with verified Chapter 13 Bankruptcy attorneys. Budgeting apps can also be used to establish and maintain your spending plan, or you can use a spreadsheet, or even a piece of paper, says Fox. As part of the reorganization, the. While a few will rent to someone who is currently in Chapter 13, the majority of property management companies want renters to have bankruptcy cases discharged. O’Mara has built and maintained an outstanding reputation by providing superior legal services to his many. Chapter 13: Repayment Plan. The bankruptcy petition for GUARDIAN FUND, LLC showed assets in the range of $10MM - $50MM with liabilities in the range of $50MM - $100MM. United States Bankruptcy Court District of Nevada 341 Hearing Schedule December 6, 2023 . , Rm 1254. Affordable Chapter 13 Bankruptcy Lawyer In Reno, NV. A Chapter 13 bankruptcy reorganizes your debt. Bankruptcy is a legal tool to help consumers and businesses resolve overwhelming debt. Add all gross income earned during the last six months and multiply it by two. If a debt is not listed, it is possible the debt will not be discharged. Compare the best Chapter 13 Bankruptcy lawyers near Reno, NV today. — G. Contact. Chapter 11: Large Reorganization. Reno: 300 Booth St. , P. trustee, the trustee in the case, and the trustee's attorney, if any. Typically, this can be done online, over the. If you fail the means test, don't despair: You still might qualify for Chapter 13 bankruptcy. The cost of bankruptcy includes paying court fees, and fees for a lawyer. S. Search other Chapter 13 Bankruptcy in or near Reno NV. View Website View Lawyer Profile. Reach out today for a free consultation or call (419) 625-7770. There are a few differences between Chapter 7 and Chapter 13, but most boil down to this: Chapter 13 includes a 3–5 year repayment plan. Here are the qualification basics for Chapters 7 and 13. Most consumers, however, will file bankruptcy under either Chapter 7 or Chapter 13. Add all gross income earned during the last six months and multiply it by two. You must pay the fee when you file your bankruptcy forms. Chapter 13 is similar to a Chapter 7 bankruptcy in that the bankruptcy trustee gets to decide whether to assume or reject your residential lease. The court costs for filing for chapter 11 bankruptcy in Nevada are: $1,167 case filing fee; $571 administrative fee. Message. View Website View Lawyer Profile Email Lawyer. Unfortunately, due to the increased length and complexity of Chapter 13 cases for attorneys, Chapter 13 legal fees are far more expensive than those for Chapter 7. two common types of bankruptcy protection are referred to as Chapter 7 and Chapter 13. Along with the petition, the debtor must also file the following with the court: schedules of assets and liabilities; a schedule of current income and expenditures; a statement. Experts estimate that over 39 million Americans have filed for bankruptcy. Skip to content. Pro-se debtors must make all payments by money order made payable to “CLERK, U. Darby. Patterson, we understand that you already feel bogged down in debt. Instead of wiping debt off the books, such as in a Chapter 7 procedure, Chapter 13 petitioners agree to pay back a portion of their existing debt. Pursuant to its authority under 11 U. You can keep your non-exempt property under Chapter 13, which is one of the main ways in which it is different from Chapter 7. Box 342 Memphis, TN 38101-0342Proof Of Claim. With Unbundled Legal Help, you can hire a lawyer to assist you with the parts of your case you need help with. Chapter 7 bankruptcy remains on your report for up to 10 years, and Chapter 13 stays there for up to seven years. Choose the. 5 million filed in 2010. S. Attorney fees: From $3,000 to $5,000. While Chapter 13 makes your payments manageable, many debtors fail to finish their repayment plan. Step 6: Fill out and complete your bankruptcy forms. This step is something your bankruptcy lawyer can help with. We Will Instantly Connect You with a Chapter 13 Bankruptcy Lawyer for a Free Consultation. The firm focuses primarily on chapter 7 and. When considering a bankruptcy, you need to know which type best suits your financial situation — Chapter 7, 11, or 13. Shmucher has assisted hundreds of. 00: Chapter 11 – Railroad:Chapter 13 bankruptcy allows you to repay some of what you owe through a court-ordered repayment plan. Whether you are filing for Chapter 13 or Chapter 7 bankruptcy, we. In 2017, there were 767,721 personal bankruptcy filings—down from the 1. While it is possible to file a bankruptcy case pro se, that is, without the assistance of an attorney, it is extremely difficult to do so successfully. Our bankruptcy form packages have all the bankruptcy court forms you need, including easy instructions and a how to file bankruptcy guide. Address: 232 Court St Reno, Nevada 89501 United States Monday-Thursday: 9:00 a. Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt Bankruptcy; Emergency Bankruptcy Filing in Reno; Wage Garnishment; Foreclosure;. PATTERSON, ESQ. In exchange, you must pay the trustee all of your monthly disposable income for three to five years, and the. Chapter 13 enables people to pay off their obligations over a certain. , Reno, NV 89509. Reno Fernandez . Discharge rate. com - William A. T. Tisevich helps clients make informed decisions in bankruptcy as a path toward a better financial. Chapter 7 bankruptcies stay on consumers’ credit reports for 10 years from their filing date. Hire an attorney to give yourself the best chance at success. S. Chapter 13 bankruptcy is known as a wage-earner bankruptcy. Chapter 13 Bankruptcy. Wichita Falls. This site contains information about the United States Trustee Program and the federal bankruptcy system. Their advice was excellent and…. United States Bankruptcy Court District of Nevada 341 Hearing Schedule . Chad Johnson. Chapters 9, 11, 12, and 15 are. Yoo also represents debtors and creditors in Chapter 7, 11 & 13 bankruptcy proceedings, including tax bankruptcy cases. Bankruptcy Code. S. There are non-bankruptcy solutions that make the most sense for some individuals. Reno, NV 89521. 775. The Debtor's case was assigned case no. In Chapter 13 bankruptcy, the individual has debt that they can no longer manage and often own assets that exceed state and/or federal relief. Chapter 13; Chapter 11; Reno Chapter 7 bankruptcy. Chapter 13 Standing Trustees Office Locator . The creditors meeting will be held by video conference using oom. CHAPTER 13. com. com is home to over 6,866 Bankruptcy Chapter 13 lawyers and 7,011 law firms across the United States. Chapter 13 Bankruptcy Attorney Serving Reno, Nevada. (775) 823-2900 50 W Liberty St. Bankruptcy (3:19-bk-04150), California Southern Bankruptcy Court, Filed: 07/15/2019 - PacerMonitor Mobile Federal and Bankruptcy Court PACER Dockets. BANKRUPTCY. Rather, the trustee has independent rights and duties that are set forth in the Bankruptcy Code sections 323, 327, 341, 343, 345, 363, 364, 365, 704 (chapter 7 cases) and 1302 (chapter 13 cases). Visit us and find out what happens to your student loans when you file for bankruptcy in Reno. Courts and offer information for debtors, creditors and the general public on federal bankruptcy laws as well as information on the different chapters under which a bankruptcy case may be filed. Get coupons, hours, photos, videos, directions for A Affordable Bankruptcy at 326 W Liberty St Reno NV. Bankruptcy Lawyer Serving San Francisco, CA (408) 295-1700. Find reviews, educational history and legal experience. fraud-related court judgments. You Don’t Have To Solve This on Your Own – Get a. Free Initial Consultation; Payment Plans Available. Notice of Election to Accept the Presumptive Fee in a Chapter 13 Case: NVB 2016. Most plans will include provisions that allow you to pay creditors less than the amount owed. 5500 N. A. We Will Instantly Connect You with a Chapter 13 Bankruptcy Lawyer for a Free Consultation. Meadows Parkway, Suite 800, Reno, NV 89521. Step 4: Create a budget and figure out the status of your income. Christopher Mumm. If you are seeking to stop eviction for a longer period of time, Reno Chapter 13 bankruptcy may be a better solution. m. com. The whole system of paying maintenance workers, fees, and mortgages is completely thrown off. 13 Bankruptcy PDF. If you’re facing foreclosure and are considering filing bankruptcy, you can decide when to file based on your goals. The bankruptcy laws are written to protect the consumer and offer a fresh start to individuals and families who have run into financial difficulty. 8. Although filing for bankruptcy can be a challenging and complicated process, it. A Chapter 13 bankruptcy can remain on your credit report for up to 10 years. Redding, CA Bankruptcy Attorney with 37 years of experience. Listen (21 sec) Case Title Court. With Unbundled Legal Help, you can hire a lawyer to assist you with the parts of your case you need help with. We Will Instantly Connect You with a Chapter 13 Bankruptcy Lawyer for a Free Consultation. Chapter 13 Bankruptcy Lawyers in El Reno, Oklahoma. Plan Confirmation Date:The Chapter 7 bankruptcy cost nationwide tends to be between $500 and $3000. How long it shows up depends on which type of bankruptcy you file. Chapter 7 is an easier DIY bankruptcy than Chapter 13, because it is simpler. Get Started For As Low As $500 to $1,500. This site contains information about the United States Trustee Program and the federal bankruptcy system. 32 Court St Ste 404, Brooklyn, NY. A Chapter 13 bankruptcy cannot: Discharge past-due child support, property taxes, IRS debt, and most student loans. This web site is part of the Chapter 13 Trustee's service to the bankruptcy community in the Northern District of Illinois. Finding an Affordable Lawyer Just Got Easier. Attorney fees for Chapter 7 average between $1,000 and $3,500, and for Chapter 13 between $2,500 and $6,000. Credit counseling fees: Less than or equal to $50. There are a few differences. Debtors must list all property and debts in their bankruptcy schedules. Get started. Darby is a partner and founding attorney of Darby Law Practice, representing individuals and businesses in bankruptcy in Reno, including Chapter 7, Chapter 11, Chapter 13, and helping clients in all manner of debt relief from loan modifications and. It helps individuals and small business owners file for chapter 7, 11, or 13 bankruptcy to prevent foreclosures and to repay medical debts. Skip to main content. Chapter 13 Bankruptcy in Reno. Darby Law Bankruptcy Stigma. This is a voluntary filing; it was assigned the bankruptcy case number #23-50233. Get Started For As Low As $500 to $1,500. Some people file a Chapter 13 case because they make too much money to qualify to file a Chapter 7 case. Liberty St Reno, NV 89501There are two principal types of bankruptcy available to American consumers in the United States, Chapter 7 bankruptcy and Chapter 13 bankruptcy. The Biden administration on Thursday unveiled unprecedented policy changes designed to make it easier for federal student loan borrowers to discharge their student debt in bankruptcy. In Chapter 13 bankruptcy, the individual has debt that they can no longer manage and often own assets that exceed state and/or federal relief. Get Started For As Low As $500 to $1,500 Affordable Payment Plans Available 10+ Years Serving Over 1 Million. Credit card debt is an example of unsecured debt. Open for Business. Van Meter administers Chapter 13 Bankruptcy cases filed in the United States Bankruptcy Court for the District of Nevada (Northern Division). Section 109(e) defines. The Chapter 7 Income Limits and the Bankruptcy Means Test. Discharge rate. Filing a Chapter 13 bankruptcy case stops foreclosure and allows you to reorganize your finances in a 3-5 year repayment plan and to keep your home. You must participate in credit counseling and. Filing for Chapter 13 will greatly affect your credit score and thus greatly affect you as a renter. A debtor's involvement with the bankruptcy judge is usually very limited. com. Airborne 10. Important Notice USTP FORMS FOR THE FILING OF PERIODIC OPERATING REPORTS IN NON-SMALL BUSINESS CHAPTER 11 CASES NOW EFFECTIVE Wednesday, July 21, 2021. § 521 mandates that a chapter 7 or chapter 13 case “shall be automatically dismissed effective on the 46th day after the date of filing of the petition” if the. Chapter 13 Bankruptcy. This I did in the company of many different attorneys. Tax Tip 2022-133, August 30, 2022 — Bankruptcy is a last resort for taxpayers to get out of debts. Chapter 13 Filing Requirements. The Chapter 13 bankruptcy is often 3 or 5 years, resulting in monthly payments in coordination with the Chapter 13 Trustee in Nevada. The most up-to-date information. The bankruptcy is not complete, or “discharged,” until the terms of the repayment plan are met. 702-383-5155. S. These virtual 341 meetings. We Will Instantly Connect You with a Chapter 13 Bankruptcy Lawyer for a Free Consultation. Get Started For As Low As $500 to $1,500. USTP ISSUES NOTICE TO CHAPTER 7 AND 13. This section of the bankruptcy law allows individuals and small business owners in financial difficulty to repay their creditors. Hire an attorney to give yourself the best chance at success. Chapter 13 Bankruptcy and Chapter 7 Bankruptcy are the sorts of bankruptcy chosen by people. William A. If you attempted to file for Chapter 7 or 13 bankruptcy but your case was tossed out, you must wait 181. You'll qualify for Chapter 7 bankruptcy if your family's gross income is lower than the median income for the same size family in your state. “It allows debtors to keep most of their assets, while still discharging some of their debts,” said Shmuel. With Unbundled Legal Help, you can hire a lawyer to assist you with the parts of your case you need help with. In fact, there are six different types of bankruptcies: Chapter 7: Liquidation. Nov. Global Rank-Daily Visitors-Daily Pageviews-Load Time-Site Overview . Finding an Affordable Lawyer Just Got Easier. A Law Firm practicing Bankruptcy law. Nakagawa Keywords: adversary cases, reassignments, order, chapter 13, Reno Created Date: Tue Sep 05 16:34:31 2006The O’Mara Law Firm, P. Chapter 13 bankruptcy Lawyer Licensed for 25 years. However, the debtor must have a sufficient, regular source of income and agree to the terms of the repayment plan. In Chapter 13 bankruptcy, you can keep assets like a house or a car as long as you have a reliable income. Bailey P. Bankruptcy Lawyers and Attorneys. According to the FTC, the Chapter 13 bankruptcy success rate is just 33%. Chapter 13 Bankruptcy issue in Reno, Nevada or the surrounding areas? Call The Law Office of Nathan R. 329. In Chapter 13, the debtor proposes a “plan” of repayment under which they offer to pay a fixed month-ly payment to a Chapter 13 trustee for a period of time, typically from 36 to 60 months (3 to 5. Tijsseling. Foley Federal Building 300 Las Vegas Boulevard South Las Vegas, Nevada 89101 (702) 527-7000: 10%. If you file for chapter 7 bankruptcy in Nevada, state law permits you to keep certain property (“ exemptions “) such as up to $605,000 of equity in your home, up to $15,000 of equity in your car, and up to $1 million in certain retirement plans. S. Having served the Reno business for more than 30 years, we can help with your business law including Chapter 11 bankruptcy. Airborne-Unlimited-11. S. Go to USTP Region 13 Website. Lawyers: David C. Chapter 13: A U. 00: Chapter 12 to Chapter 7: $60. m. Chapter 13 allows you to keep some or all of your property. Featured Company Listings. In Chapter 13 bankruptcy, your debts are reorganized into a three-to-five year repayment plan, after which any remaining debt is discharged. com is home to over 6,866 Bankruptcy Chapter 13 lawyers and 7,011 law firms across the United States. Chapter 13 Bankruptcy. New Hampshire Bankruptcy Lawyers There are 299 bankruptcy lawyers, with 33. Call Us Now For a Free Consultation (702) 879-7968; BANKRUPTCY. The United States Trustee Program does not administer bankruptcy estates in Alabama at this time. Call (775) 323-5700 today to reach an attorney at The Law Offices of Charles Zeh Esq in Reno, NV. Reestablishing a solid. Chapter 13 Bankruptcy; Chapter 7 Bankruptcy; Debt Collectors and Consumer Rights; Debts; Divorce and Bankruptcy; Going to Court; News. top of page. With Unbundled Legal Help, you can hire a lawyer to assist you with the parts of your case you need help with. The Bottom Line on Judgments in Bankruptcy. Trustee and the. It’s a complicated process that’s best taken on with the assistance of an attorney. Message. 11 reviews. The filing fee may be paid in installments to the Bankruptcy Court. PATRICIA J. Reno, NV Bankruptcy Lawyer with 29 years of experience. Find the best bankruptcy attorney serving Reno County. Get Started For As Low As $500 to $1,500. Mon, Oct 30, 2023. Oklahoma City, OK 73118. 4. Bankruptcy and debt Lawyer Licensed for 37 years. Chapter 13 bankruptcy is a voluntary reorganization of debt. CAL Northern School of Law. Chapter 7 Bankruptcy Qualifications. in 2001 from California Western School of Law in San Diego, California. Saturday: by Emergency Only Sunday: Closed Click to Call 775-786-1615 Call Sean. Reno, NV 89501 E-mail: Phone: (775)324. Chapter 7 exemptions. Chapter 15: Used in Foreign Cases. Chapter 13 bankruptcies increased to 157,087 in 2022 from 120,002 in 2021. Get Started For As Low As $500 to $1,500 Affordable Payment Plans Available 10+ Years Serving Over 1 Million. S. Filing for Chapter 13. Most consumers opt for Chapter 7 bankruptcy, which is faster and cheaper than Chapter 13. Find 32999 reviews, disciplinary sanctions, and peer endorsements. As per the Bankruptcy Abuse and Consumer Protection Act of 2005 (BAPCPA), consumers who file a Chapter 7 or Chapter 13 bankruptcy are required to complete a Bankruptcy Credit Counseling session with an approved non-profit counseling agency. Chapter 7 Filing Requirements. In cases under chapters 7, 12, or 13, and sometimes in chapter 11 cases, this administrative process is carried out by a trustee who is appointed to oversee the case. Key Takeaways. United States Courthouse. CHAPTER 13: A Chapter 13 bankruptcy is normally used by a debtor who does not qualify for a Chapter 7 bankruptcy. Serves clients throughout Nevada in business and consumer bankruptcy, general business matters, estate planning, and divorce. John A. Chapter 11 bankruptcy provides a procedure by which an individual or a business can reorganize its debts while continuing to operate. Tricia Darby is the BEST personal Bankruptcy Attorney in Reno! I had a crisis and was facing severe hardship and turned to Tricia because of what other attorneys said about her. We Will Instantly Connect You with a Chapter 13 Bankruptcy Lawyer for a Free Consultation. The type of debts (consumer or non-consumer) Prior bankruptcy history. His legal office has been helping clients consolidate and. This is a term that's used to describe the completion or success rate of a bankruptcy. These are good people who worked very hard representing my family. You'll qualify for Chapter 7 bankruptcy if your family's gross income is lower than the median income for the same size family in your state. Once the motion has been approved by the court, you can then obtain your car loan and get your car. S. Step 8:. Chapter 7 bankruptcy is known as a liquidation because instead of making payments to your creditors, your non-exempt property is liquidated to pay some or all of your creditors. Effective onApril 1, 2022. Carson City, NV Bankruptcy Lawyer. You must develop a plan to repay your creditors over three to five years. Chapter 13 bankruptcies make up about 36% of non-business bankruptcy filings. The domain Reno13. Back to State Locator ALABAMA. Wajda Law Group. While a few will rent to someone who is currently in Chapter 13, the majority of property management companies want renters to have bankruptcy cases discharged. His state's homestead exemption lets him. Judah Zakalik. You can use our free Nevada Chapter 13 Reno Chapter 13 payment plan calculator to estimate your complete Chapter 13 plan payment, which includes the estimated bankruptcy attorney fees, the trustee. Carson City, NV 89701. 448 Ridge St, Reno, NV. Nationally, only one third of all chapter 13 filings reach a successful discharge. With Unbundled Legal Help, you can hire a lawyer to assist you with the parts of your case you need help with. S. Bankruptcy is also outside the jurisdiction of small claims courts. Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Reno Medical Debt Bankruptcy; Emergency Bankruptcy Filing in Reno; Wage Garnishment; Foreclosure;. Get Chapter 7 or Chapter 13 bankruptcy filings and the support you need from our trusted team. A Chapter 13 bankruptcy. Darby Law Practice firmly believes that bankruptcy is an important legal tool available for the honest. 800 S. In a chapter 13 you are required to pay some of. Chapter 13 bankruptcy is more complicated than Chapter 7 bankruptcy. Meadows Parkway, Suite 800, Reno, NV 89521. Chapter 7 business bankruptcy is a way for a business to liquidate assets to then pay creditor. In order to be eligible to file for Chapter 13 bankruptcy, you must have regular income and meet certain debt limitations for your unsecured and secured debts (unsecured debts must be less than $383,175 and secured debts must be less than $1,149,525 as of 2015). . Of course, if a Chapter 7, Chapter 11, or Chapter 13 is your best solution, we can help you there as well. Sean P. (702) 933-6771 3650 S. A Chapter 13 bankruptcy involves repaying some debts in order to have the rest forgiven. You must be current on tax. Individuals, sole proprietorship businesses, or spouses can file a Chapter 13. Chapter 13 Meeting of Creditors .