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Chapter 13 Eligibility

Chapter 13 bankruptcy provides people with the unique opportunity to restructure their debts to lower their monthly payment so that repayment may be accomplished over a more realistic term. Before people can claim protection under Chapter 13, however, they must meet the very specific eligibility requirements to even file their application.

At Gagnon, Peacock & Vereeke, P.C., our Dallas Chapter 13 eligibility attorneys know just how complicated the eligibility requirements for this form of bankruptcy protection can be; we can help you determine your eligibility for this form of bankruptcy protection and help you work through every step of the application process should you choose to proceed.

Basic Eligibility Requirements for Chapter 13

Though it would be best for people to speak with an attorney to determine their actual eligibility for Chapter 13 bankruptcy relief, the following represent the most basic eligibility requirements for people considering this form of bankruptcy protection:

  • Unsecured and secured debts must be under limits that are periodically readjusted
  • Sufficient disposable income must be available to cover monthly payments
  • Income tax filings in the four (4) years prior must be current

Whatever the particulars of your financial situation happen to be, our Dallas legal team can help you explore all of the options available to you so that you can ensure you are making a responsible decision.

Consult with a Chapter 13 Bankruptcy Lawyer in Dallas

If you are considering bankruptcy as a means to deal with your debt, you should consult with a Dallas Chapter 13 eligibility attorney at Gagnon, Peacock & Vereeke, P.C., about whether you will be eligible to file under this form of bankruptcy. To speak with a Dallas bankruptcy attorney about the particulars of your financial situation, please call our Dallas offices at (214) 317-4448 today.