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Obligation when filing for Michigan Chapter 13 bankruptcy

Wage earners in Wayne, Michigan, may be eligible for Chapter 13 bankruptcy. This bankruptcy option allows consumers to repay at least part of their balances owed over a specified time period. Once the period has elapsed, the consumer's remaining eligible debts are wiped out, if the consumer has stuck to the plan.

Let's say that a consumer, after consultation with an attorney, has decided to file for Chapter 13 bankruptcy. What must the consumer do to fulfill their obligations under the law?

First, the consumer must submit to the court the proper documents necessary for a Chapter 13 filing. These include a Chapter 13 repayment plan, a copy or transcript of the consumer's latest tax return, proof of filing for taxes the previous four years and a credit counseling certificate and any resulting repayment plans.

The consumer must also make the necessary payments under the plan. These include payment of a Chapter 13 filing fee to the court. The consumer must also make repayments to creditors agreed to under the repayment plan. This must happen with 30 days after filing for Chapter 13. These payments will be made to the bankruptcy trustee. The trustee will pay the funds to the creditors, if the plan is subsequently approved by the court. If the court does not approve the plan, the funds will be returned -- less administrative costs -- to the consumer.

This is a brief summary of some of the obligations of a Chapter 13 bankruptcy filer. There are a number of others. Specific details depend on the specifics of each consumer's plan and general situation. A Chapter 13 bankruptcy attorney can fill in many of these details for interested consumers.

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    Posted by MaryDecember 11, 2015

    "I am overwhelmed by your response to my call, even 10 years after my bankruptcy was discharged. You have more knowledge and expertise than I could have imagined. Because of you, my fears have been put to rest. For that, I'm so very grateful. Thank you many times over. "

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    "... I was extremely impressed with Charles' understanding of the bankruptcy laws to the extent that I felt certain that my best interests were always at the forefront. "

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    Posted by MarleneJanuary 8, 2014

    He helped me thru my 1st bankruptcy and now the second. I had no idea what to expect , but they kept me informed and answered all my questions. Mr. Schneider is the most experienced and knowledgeable lawyer I have ever met. If you have to file call this attorney first!

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