{"id":2827,"date":"2021-03-04T10:43:00","date_gmt":"2021-03-04T13:43:00","guid":{"rendered":"https:\/\/abogadosmaryland.cyberglobalnet.icu\/?p=2827"},"modified":"2021-07-24T12:19:23","modified_gmt":"2021-07-24T15:19:23","slug":"can-i-exit-chapter-13-early","status":"publish","type":"post","link":"https:\/\/abogados-maryland.com\/es\/can-i-exit-chapter-13-early\/","title":{"rendered":"\u00bfPuedo salir del Cap\u00edtulo 13 antes de tiempo?"},"content":{"rendered":"

La econom\u00eda ha estado luchando durante el \u00faltimo a\u00f1o, pero el dolor no se extiende por igual. Muchos residentes de Maryland se han quedado sin trabajo, mientras que los inversores y otros han obtenido enormes beneficios. En este tipo de situaci\u00f3n, las finanzas personales pueden cambiar y los planes mejor trazados pueden desmoronarse r\u00e1pidamente.<\/p>\n\n\n\n

Si entr\u00f3 en esta crisis econ\u00f3mica mientras estaba en medio de un plan de pago del Cap\u00edtulo 13, es posible que ya no pueda mantenerse al d\u00eda con los pagos. Alternativamente, es posible que haya tenido suerte y se haya dado cuenta de que puede pagar sus deudas m\u00e1s r\u00e1pido de lo previsto.<\/p>\n\n\n\n

En cualquier situaci\u00f3n, puede preguntar si puede salir de un plan del Cap\u00edtulo 13 antes de tiempo. La respuesta es s\u00ed, pero los detalles son importantes.<\/p>\n\n\n\n

Saliendo del Cap\u00edtulo 13<\/h3>\n\n\n\n

El Cap\u00edtulo 13 es una forma de quiebra personal que protege a las personas de sus acreedores mientras trabajan a trav\u00e9s de un plan de pago. El plan tarda entre 3 y 5 a\u00f1os en completarse. Despu\u00e9s de ese tiempo, la persona sale de la bancarrota con un nuevo comienzo en sus finanzas.<\/p>\n\n\n\n

Debido a que el Cap\u00edtulo 13 requiere el pago de la totalidad o parte de la deuda de la persona durante un per\u00edodo de tiempo, esta forma de quiebra es mejor para las personas que tienen un trabajo u otra fuente de ingresos regulares. Si, durante el per\u00edodo de 3 a 5 a\u00f1os, la persona obtiene una gran herencia u otra ganancia financiera inesperada, es relativamente sencillo para ellos pagar la deuda restante y abandonar el Cap\u00edtulo 13 antes de tiempo.<\/p>\n\n\n\n

El escenario m\u00e1s dif\u00edcil ocurre si la persona pierde sus ingresos. durante el per\u00edodo de amortizaci\u00f3n<\/a>. En tal caso, el deudor puede solicitar una condonaci\u00f3n por dificultades econ\u00f3micas del Cap\u00edtulo 13. La corte puede otorgar esta condonaci\u00f3n, dejando al deudor fuera del plan de pago, pero los acreedores no lo dejar\u00e1n ir f\u00e1cilmente.<\/p>\n\n\n\n

Protecci\u00f3n de los acreedores<\/h3>\n\n\n\n

Quiz\u00e1s la ventaja clave de la quiebra es la protecci\u00f3n que ofrece de los acreedores. Cuando una persona se declara en quiebra, la corte emite una suspensi\u00f3n de todos los esfuerzos de cobranza. Esto pone fin a las aterradoras llamadas telef\u00f3nicas y cartas de los cobradores de deudas, siempre que el deudor est\u00e9 protegido por quiebra. Pero una vez que la persona deja la protecci\u00f3n por bancarrota, si tiene deudas restantes, esos esfuerzos de cobranza comenzar\u00e1n nuevamente.<\/p>\n\n\n\n

Por esta raz\u00f3n, los deudores deben pensar detenidamente antes de salir de la protecci\u00f3n por quiebra. Las personas que luchan contra las deudas pueden hablar con un profesional capacitado sobre sus opciones.<\/p>","protected":false},"excerpt":{"rendered":"

La econom\u00eda ha estado luchando durante el \u00faltimo a\u00f1o, pero el dolor no se extiende por igual. Muchos residentes de Maryland se han quedado sin trabajo, mientras que los inversores y otros han obtenido enormes beneficios. En este tipo de situaci\u00f3n, las finanzas personales pueden cambiar y los planes mejor trazados pueden desmoronarse r\u00e1pidamente. Si ingres\u00f3 [\u2026]<\/p>","protected":false},"author":1,"featured_media":2890,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-2827","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"\nCan I exit Chapter 13 early? - Abogados Maryland<\/title>\n<meta name=\"description\" content=\"Can I exit Chapter 13 early? 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