how do you file for chapter 13?

Answer 1

See a bankruptcy attorney. While this might seem to be a particularly useless response, it's the only worthwhile advice you'll receive here. You're going to need an attorney. Most advise at no charge; and legal counsel is the only advice you should be seeking.

Answer 2

If you go bankrupt, file your bankruptcy under Chapter 13. Chapter 13 permits an US resident to reorganize and restructure their finances. It allows you start afresh and get your finances back on the track. The bankruptcy court will supervise and authorize the entire process of overhauling your financial situation.

While filing for bankruptcy under Chapter 13, you have to draw up a plan of action meant to pay your dues within the next 3 to 5 years and submit to the bankruptcy court. You should clear your dues as much as possible at frequent intervals. Filing under Chapter 13 will protect you against the undue pressure exerted on you by your lenders to pay your debts.

The only drawback is that your bankruptcy will affect your credit score. It is retained for the next 10 years. So you might find it difficult to get any credit during that time.

Answer 3

The very quick and easy answer is to contact a local attorney and have him/her file it in court for you. Before you go down that path You might listen to Dave Ramsey on the radio and a number of others that advice in financial matters. If there is any way that you can keep from filing I would do that. Before you do this I would make the suggestion that you go to your local book store and buy a copy of the, Financial University by Dave Ramsey you might find that it will save you from having to file. The day may come when you are going to need to buy a house or a car and File chapter 13 isn't going to help you

Answer 4

Go to a bankruptcy lawyer.