Chapter 13 Bankrupcy

How Does Chapter 13 Bankruptcy Work in Maryland?

Chapter 13 bankruptcy (debt reorganization) allows you to consolidate your debts into a manageable 3-to-5-year repayment plan supervised by the court. It is the primary tool used to stop foreclosure on your home, catch up on mortgage arrears, prevent vehicle repossession, and restructure tax debt.

If you have a regular source of income but have fallen behind on your mortgage or car payments, the Chapter 13 process offers a legal pathway to protect your assets. The moment we file your Chapter 13 petition, the court issues an automatic stay, immediately halting any foreclosure sale or vehicle repossession, allowing you to catch up on missed payments over time.