Chapter 13

Chapter 13 Bankruptcy Lawyer in Topeka 

Compassionate Counsel for Struggling Families - Call (888) 253-4526

If you are finding it harder and harder to repay your debt, consider speaking with us about filing for Chapter 13 bankruptcy. No matter which type of bankruptcy you opt for, filing for bankruptcy will put an immediate stop to credit collection actions – making it illegal for creditors and collection agencies to demand payment from you.

Why Hire Garrett Law LLC for Chapter 13 Bankruptcy?

  • Our firm is solely devoted to bankruptcy.
  • We put more than a decade of experience to work for you.
  • Our firm offers free case consultations.
  • We protect you from collection & creditor harassment.

Garrett Law LLC has helped hundreds of families just like you. Many of our clients come from middle and working-class families with modest lifestyles, including subcontractors or small business owners. Allow us to help you take control of your finances again.


Wondering how to file bankruptcy in Kansas? Call us at (888) 253-4526 or visit our Topeka office to learn more. Free case reviews are available.


Understanding the Chapter 13 Bankruptcy Process

Filing for Chapter 13 can be a challenging and emotionally draining procedure, but it can also lead to financial stability and relief from insurmountable debt. Garrett Law LLC's expert Topeka bankruptcy lawyers will walk you through every stage of the Chapter 13 bankruptcy process, ensuring that you thoroughly comprehend your rights and options.

Key aspects of the Chapter 13 bankruptcy process include:

  • Creating a repayment plan to reorganize and manage your debts
  • Protection from creditor harassment and collection actions
  • Retaining ownership of your assets while repaying creditors
  • Working with a court-appointed trustee to oversee the repayment plan
  • Potential for debt discharge at the end of the repayment period

Our supportive legal team will work steadfastly to guide you through the Chapter 13 process and help you get a fresh start financially. Make contact with Garrett Law LLC right away to learn greater detail about how Chapter 13 bankruptcy may allow you to take control of your money.

How Can Chapter 13 Bankruptcy Help Me?

With no upfront payments required, Chapter 13 bankruptcy reorganizes your debt by creating reasonable repayment plans and allowing you to keep most of your property. With this option, you may also be able to negotiate reduced monthly payments.

A Chapter 13 bankruptcy payment plan must be reviewed, approved, and overseen by a bankruptcy court before it is settled. Our Topeka Chapter 13 bankruptcy attorney can help you find a manageable solution and a favorable payment plan.

Who is Eligible to File for Chapter 13 Bankruptcy?

To be eligible for Chapter 13 bankruptcy, there are certain criteria that must be met. 

  • Regular Income: You must have a regular source of income, such as employment or business income, to demonstrate your ability to make the required monthly payments under the repayment plan.
  • Debt Amount Limitations: There are limitations on the amount of debt you can have to qualify for Chapter 13 bankruptcy. It is recommended to consult with an attorney or legal resource for the most up-to-date information on debt limits.
  • Proof of Tax Filings: You will need to provide proof of filing state and federal income tax returns for the previous four years as part of the Chapter 13 requirements.

Keeping Your Car After Filing for Chapter 13

In Kansas, a person filing for bankruptcy can keep one vehicle for daily use. The vehicle is “exempt property.” If a couple files for bankruptcy, they can each keep a vehicle.

However, a loan on a vehicle is a secured debt. Normally, if you owe money and do not make the payments, the creditor can repossess the vehicle. However, when you file for bankruptcy, the automatic stay prevents the creditor from possessing, even if you are behind. We commonly file cases within a few business days in order to beat the repo man.

When you file for Chapter 13, you can change the terms of your vehicle loan. The Chapter 13 plan changes the interest rate on the note to the “Till” or “discount” rate. The Court assigns this standard rate to all secured claims in Chapter 13. This is usually (but not always) lower than your loan agreement.

In addition, if you purchase the vehicle more than 910 days before filing, or if the debt is a payday or title loan, you may be able to pay the value of the car, rather than the balance of the contract.

For instance, if you owe $9,500 on your 2006 Kia Sedona, and are paying at 18%, the Plan can amend the contract to pay the $4,600 the vehicle is worth, at 4.75%. This “cram down”, combined with the interest rate deduction, can greatly benefit your budget, lower your payments, and put money in your pocket from the outset.


To determine if Chapter 7 or Chapter 13 bankruptcy is a viable option for you, do not hesitate to reach out to our Topeka bankruptcy attorney . Dial (888) 253-4526 to see how we can help.


Commonly Asked Questions

Can I keep my property if I file for Chapter 13 bankruptcy?

Yes, the Chapter 13 bankruptcy process makes it possible for you to maintain a significant portion of your assets while restructuring your debts via a court-approved repayment plan.

How long does a Chapter 13 bankruptcy repayment plan last?

A Chapter 13 repayment plan typically lasts between three to five years, during which you make regular payments to creditors as outlined in the plan.

What happens if I miss a payment under a Chapter 13 repayment plan?

If you miss a payment under the Chapter 13 repayment plan, it is essential to communicate with your attorney to explore potential solutions and avoid serious consequences.

Can I file for Chapter 13 bankruptcy without an attorney?

Although it may be feasible to file for Chapter 13 without an attorney, it is highly suggested to retain an attorney's assistance as a way to fully comprehend the details of the process and maximize the likelihood of a positive outcome.

Walking You Through How to File Bankruptcy in Kansas

Our Chapter 13 bankruptcy services include:

  • A consultation with our firm to discuss your financial options and debt
  • Protection from creditors and collection agencies
  • Pre and post-credit counseling classes
  • Bankruptcy court representation
  • Completion and submission of all paperwork
  • Advocacy in creditor meetings

Chapter 13 bankruptcies are typically for families with high disposable incomes and the means to pay off their debt. Not sure if Chapter 13 bankruptcy is right for you? Find out by calling Garrett Law LLC at (888) 253-4526!

The Difference Between Chapter 7 and 13 Bankruptcy

While Chapter 7 can allow you to dismiss certain dischargeable debts like credit card bills, medical bills, back rent from an old lease, etc. entirely, there are certain debts that cannot be discharged in this manner.

Chapter 13 bankruptcy allows you to create a plan to provide protection from the bankruptcy court while you pay back creditors according to that plan. This form of bankruptcy can provide you with up to five years of protection from creditors.


Read more about Chapter 13 Bankruptcy here


Financial Freedom is Only a Phone Call Away – Dial (888) 253-4526

With more than 10 years of experience and hundreds of clients, our compassionate and trustworthy Chapter 13 bankruptcy attorney in Topeka can help make the bankruptcy process less overwhelming and stressful.


For a Topeka Chapter 13 bankruptcy lawyer who is ready to serve you, contact Garrett Law LLC at (888) 253-4526.


  • “Absolutely enjoyed working with Garrett Law, him and his staff were wonderful through the process and very knowledgeable.”

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