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Posted On : Mar-29-2010 | seen (273) times | Article Word Count : 532 |

If your income changes while you are on a Chapter 13 plan, you have the option of lowering the payment. For expert legal advice on Utah bankruptcy law and help all the way through the bankruptcy process, contact Lincoln Law at 800-722-6578. The decision to file for bankruptcy is not one to take lightly. With the multiple bankruptcy plans available and the changes to bankruptcy law that occurred in 2005, it is important to be an informed about options from various scenarios. If you are considering filing for bankruptcy but have concerns about what may happen should your income change Iman Marshall Ravens Jersey , here is an overview of the facts.

Chapter 13 is called the wage earner鈥檚 plan and allows people with a regular income to develop a plan for repayment of debt. Under Chapter 13, debtors propose a repayment plan to pay all or a portion of their debt over the period of five years, depending upon monthly income. Chapter 13 is eligible for people who are self-employed or operating an unincorporated business as long as the individual鈥檚 unsecured debts are less than $336,900 and secured debts are less than $1 Ben Powers Ravens Jersey ,010,650. There is no minimum debt requirement for Chapter 13. For income above median, Chapter 13 must run for five years with expenses determined by IRS collection standards. Below or at the median are eligible for a three-year-plan with payments determined by actual expenses versus IRS guidelines.

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