May 18, 2015

How Much Does a Bankruptcy Judge Make? Or, More Politely, What is the Salary of a Bankruptcy Judge?

This is a question we do not get very often, but it is something people like to know. In days gone past federal employees were not paid very well in comparison to other people in the nation’s economy. This has changed over the years. Take a look at this chart courtesy of The Federal Judicial Center:

Judicial Salaries
U.S. Bankruptcy Judges
Date Effective Annual Salary

November 6, 1978 $50,000
October 1, 1979 $53,500
January 1, 1982 $58,500
December 18, 1982 $63,600
January 1, 1984 $66,100
January 1, 1985 $68,400
January 1, 1987 $70,500
March 1, 1987 $72,500

Effective October 1, 1988 and thereafter, bankruptcy judges receive a salary of 92 percent of the salary of federal district judges. The salary does NOT vary based on locality. As such, a US Bankruptcy Judge with his court in Iowa has a much lower cost of living than does a US Bankruptcy Judge with her court in Los Angeles, California, or New York, New York. As a result, the lower cost of living makes that judge’s salary comparatively more valuable than in the more costly localities.

Judicial Salaries

District Court Judges U.S. Bankruptcy Judges
Date Effective Annual Salary Annual Salary
(92% of District Judges)

October 1, 1988 $ 89,500 $ 82,340
February 1, 1990 $ 96,600 $ 88,872
January 1, 1991 $125,100 $ 115,092
January 1, 1992 $129,500 $ 119,140
January 1, 1993 $133,600 $ 122,912
January 1, 1998 $136,700 $ 125,764
January 1, 2000 $141,300 $ 129,996
January 1, 2001 $145,100 $ 133,492
January 1, 2002 $150,000 $ 138,000
January 1, 2003 $154,700 $ 142,324
January 1, 2004 $158,100 $ 145,452
January 1, 2005 $162,100 $ 149,132
January 1, 2006 $165,200 $ 151,984
January 1, 2008 $169,300 $ 155,756
January 1, 2009 $174,000 $ 160,080
January 1, 2014 $199,100 $ 183,172

So, the answer to our question is currently $ 183,172. If you pay taxes, some small portion of what you pay goes to pay the salary of our nation’s U.S. Bankruptcy Judges.

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May 8, 2015


In February 2015, a healthy and able bodied debtor was able to discharge
approximately $119,000.00 in student loans in Nebraska. The Court looked at the totality
of the circumstances in the case and specifically at the fact that the only repayment option
offered by the lenders was the suggestion that the debtor “find more money”. Typically,
discharging student loans in bankruptcy is next to impossible and normally requires the
debtor to be in extremely poor health with no prospect to earn an income. The lenders
were particularly outrageous in this case stating in its defense that the debtor could simply
relocate and find a better paying job. The Court quickly dismissed the lenders argument
and found that the debtor made a “good faith effort to maximize her income.


President Barack Obama recently signed a “student aid bill of rights” to make it
easier for people with student loans to pay back their debt. This so-called bill of rights
will require that businesses that service student loans provide clear information about how
much a borrower owes, what options exist for repayment and if a borrower falls behind,
provide help to get back in good standing with reasonable fees on a reasonable timeline.
The lending industry has resisted loosening bankruptcy standards for student loans, but
advocates have argued students burdened by heavy debt should be able to more easily use
that as a way to discharge their obligations in bankruptcy.

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April 6, 2015


The IRS offer in compromise program has been around for decades. In theory, the program serves the best interests of all concerned, enabling the government to collect what it can from the taxpayer, and relieving the taxpayer a tax burden he cannot pay.

To qualify for an OIC, you must prove that you can’t pay the total balances owed before the collection statute expires, using net equity in assets plus any future income. The IRS calculates future income as the amount it can collect on a monthly basis (monthly disposable income) before the collection statute expires. While the number of OICs accepted by the IRS is small compared with the number of taxpayers who have outstanding balances, more taxpayers are qualifying for and obtaining OICs due to the 2011 IRS Fresh Start Initiative, which softened qualification criteria and allowed for lower offer amounts.

In 2004, the IRS issued a consumer alert warning of promoters' claims to settle debts for "pennies on the dollar" through the OIC program. The warning addressed companies charging high fees to consumers who may not be eligible for the program; all other payment means would have to be exhausted, including installment payments. It is highly recommended to all that are seeking guidance for tax relief to consult with a qualified attorney such as the attorneys at Campbell & Coombs, P.C.

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March 4, 2015


These days you hear many advertisements on the radio and television from companies that claim they can resolve your tax problems for pennies on the dollar. These ads refer to “brand new IRS programs” or something called the “Fresh Start Initiative”. What they are really referring to is a program run and administered by the Internal Revenue Service called an Offer in Compromise. The Offer and Compromise (“OIC”) is not a new program and has been around since the 1990s. It is driven by a rather unrealistic formula the IRS uses. According to the IRS, an offer in compromise will be accepted if the amount offered by the taxpayer is equal to or greater than the reasonable collection potential.

IRS records show a dismal success rate for the Offer in Compromise, just a shade under 25%. Why is this? The problem is that many of the companies touting their services as “tax specialists” are anything but, and file Offers in Compromise that have no chance of succeeding from the beginning. These companies are basically scamming you as the taxpayer by taking your money for something that has no chance of success. Here is how the scam works. IRS often files a lien against you when you owe back taxes. These companies get a list of these filings and start sending you letters. They claim that for a huge fee, they can resolve your problems. Typically, the initial fee will be upwards of $6,000 with no end in sight.

Here is all they really do. They are all out of state and there is never a face to face meeting. The never look at your entire situation to see if the Offer in Compromise could ever work. Generally speaking, a successful offer in compromise will come from a taxpayer who has liabilities in excess of his or her assets and little to no disposable monthly income after allowing for basic expenses. Regardless of whether this fits your situation, they will prepare a Form 656 for you. The form will require extensive financial data from you. You will actually do most of the work. When the company files the form, the IRS is supposed to stop all collection activity. The IRS will consider the form for about eight months during which time, your problems magically seem to disappear. After about eight months, the IRS will most likely send a rejection letter or make a counter offer for thousands of dollars more. The company then may request many thousands of dollars more to write an appeal. The entire time, you are out of the IRS collection loop, but interest is still accruing. You don't know what is happening and you are basically held hostage to the company. If the offer in compromise is accepted you will, quite likely, have to make payments that you cannot afford, and if the offer in compromise is ultimately rejected, you will be right back to square one and you will have extended the statutes governing the bankruptcy and collection of taxes. You end up right back where you started and you will have wasted all the money you paid to the company.

For those Offers that do work, it is usually because the taxpayer has used a local Arizona attorney who you can meet with face to face and who analyzes your chances of success before taking your money and blindly filing the Offer. If the Offer in Compromise is not the way to go, your attorney will look at other options (installment agreements, waiting out the statute of limitations, liquidation bankruptcy, reorganization bankruptcy, etc.), and help you choose the best way for you to go. That is how the attorneys at Campbell & Coombs operate: what is best for you the client rather than just taking your money for something that is going to fail. We have an exemplary success rate for Offers in Compromise because we only file an Offer when we see a good chance of success. And remember, we are an ARIZONA law firm representing ARIZONA clients.

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January 26, 2015

Discharge vs. Case Closure

Discharge is often the last thing a bankruptcy client sees or thinks about their case, but it is not the end of the bankruptcy case. This is often a confusing aspect for clients. We’ll explain here and try to simplify the two and explain what the distinctions are.

11 United States Code § 101 is often helpful in defining terms in the bankruptcy context. This section is the “Definitions” section of the Bankruptcy Code. Regretfully, the terms “discharge” and “closure” are not set forth in the definitions section. So what do they mean in the day to day lives of those who choose to file for bankruptcy relief?

On the United States Courts' website the answer to the question “What is a discharge in bankruptcy? is answered this way:

“A bankruptcy discharge releases the debtor from personal liability for certain specified types of debts. In other words, the debtor is no longer legally required to pay any debts that are discharged. The discharge is a permanent order prohibiting the creditors of the debtor from taking any form of collection action on discharged debts, including legal action and communications with the debtor, such as telephone calls, letters, and personal contacts.

Although a debtor is not personally liable for discharged debts, a valid lien (i.e., a charge upon specific property to secure payment of a debt) that has not been avoided (i.e., made unenforceable) in the bankruptcy case will remain after the bankruptcy case. Therefore, a secured creditor may enforce the lien to recover the property secured by the lien.”

Its important to note that the discharge relates to debts. The discharge does not relate to the “discharge” or “termination of authority” of a bankruptcy trustee. In this manner, people who have gone through a bankruptcy are often surprised when they have received their “discharge” order, but then receive a demand letter from their bankruptcy trustee. We sometimes have requests from clients to sell assets after discharge, but before case closure. This is inappropriate without court approval.

The bankruptcy is considered by credit reporting agencies, by lenders, and by the court to be active or “open” until the case is closed by the court. In the case of a discharge order, a copy is sent by the Bankruptcy Noticing Center to all creditors and parties in interest. In the case of a case closure, there is simply an annotation made to the court docket that the case is closed. A case closure divests the trustee from authority or responsibility for the case and typically operates as an abandonment of any scheduled, disclosed property that the bankruptcy trustee has not administered. If you want to know if your case has been closed or not, you’ll have to have your attorney look at the court docket.

When dealing with a bankruptcy and a bankruptcy trustee, it is important for the debtor to understand that a “discharge” does not give the debtor a right to ignore the trustee. All requests of a trustee must be addressed until case closure. The debtor will not hear from the case trustee after case closure unless a fraud is discovered.

Bankruptcies are typically reported on your credit report for up to ten years. The credit report will typically show when the bankruptcy was filed, what debts are discharged, and when the case is discharged. Credit reports typically do not show the case closure date.

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December 17, 2014


Thousands of consumers have been deceived through telemarketing schemes designed to sell phony mortgage assistance and debt relief programs to already cash-strapped citizens. In 2012, the FTC filed complaints against several telemarketing companies alleging that they pitched programs that would supposedly help consumers in financial distress pay, reduce or restructure their mortgage and other debts. Among other things, the reported schemes violated the FTC Act, the Commission’s Telemarketing Sales Rule and the Mortgage Assistance Relief Services Rule (MARS Rule) which prohibits mortgage foreclosure rescue and loan modification services from collecting fees until homeowners have a written offer from their lender or servicer that they deem acceptable.

According to the FTC, the FTC’s complaints alleged that in addition to misrepresenting the likelihood that consumers would obtain a mortgage modification, the defendants falsely represented that consumers who did not receive a modification would receive full refunds, falsely represented that they were affiliated with the U.S. government, and falsely claimed to provide legal representation to consumers. Also, in violation of the MARS Rule, the telemarketers allegedly told consumers to stop communicating with their lenders, and failed to make Rule-mandated disclosures intended to ensure that consumers understand transactions with mortgage-assistance relief service providers and their rights under the Rule.

If you are experiencing financial difficulty, you may be tempted to use a debt relief company to help take care of your bills. Often times, settling with your creditors is a good alternative to filing bankruptcy. However, before you hire a company to help with your debts, you should first understand the differences in services that debt relief companies claim to offer, as well as the potential risks involved.

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December 4, 2014


Filing for bankruptcy is a serious decision for anyone, but is often necessary in order to preserve your family and obtain a fresh start. As part of the process you must list all your assets and detailed financial information on the papers you file. Your attorney guides you through the bewildering paperwork that must be filed to make sure you get your discharge. However, you must be very honest with your attorney and tell him (or her) everything. If you do not list everything or try to hide something, it could result in a criminal bankruptcy conviction and jail time. This is just what happened to a Real Housewife of New Jersey.

Teresa Giudice, the star of “The Real Housewives of New Jersey” was sentenced on October 2, 2014 to 15 months in prison and fined $8000.00 for bankruptcy fraud. When she filed with her husband, they concealed on the bankruptcy papers filed the fact that they owned businesses, had income from rental property, and concealed Teresa Guidice’s income from the Housewives show. At her sentencing, the U.S. District Judge berated her stating,

“I’m not sure you respect this court. I’m not sure you respect the law. On the one hand you are a savvy businesswoman who writes successful cookbooks and markets herself so well. On the other hand you say you didn’t know how to cooperate. It defies logic. In the eyes of the law, it doesn’t matter who you are.”

So what we learn from this is: Always choose an experienced bankruptcy attorney and ALWAYS tell them everything.

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November 3, 2014


A Chapter 7 bankruptcy allows consumers overburdened by credit card and medical debt to discharge the debt and get a fresh start in life. In exchange for wiping out the debt the court appoints a trustee who takes certain assets you own and sells them to pay your creditors. However, the trustee cannot take certain property you need for living, e.g. a house you live in with $150,000 equity, a car with $6,000 equity, household goods, computer, retirement benefits and items that do not exceed a certain value, such as wedding rings, watches, bicycles, milk cows, poultry, and life insurance, to mention a few. However, many debtors try to use cut rate attorneys to file bankruptcy, thinking that all lawyers are the same, hoping to save a few dollars in attorney’s fees. Unfortunately, there are lawyers out there who claim to be bankruptcy lawyers who do not know what they are doing and just charge a small fee and then abandon their clients. Here are some disasters I have witnessed in my 36 years of practicing law caused by clients’ lawyers whose cheap fee seemed too good to be true:

1. The client had a car accident lawsuit pending when he filed bankruptcy. His attorney told him it was exempt from the trustee. It was not. The trustee took it over and settled it for $240,000, none of which went to the client.

2. Client lost his house with $110,000 equity. While this would have been exempt under Arizona law, because the client had not lived in Arizona for 2 years, the trustee was allowed to use North Carolina law which only allowed a $20,000 exemption. His attorney did not know this.

3. The client was an accountant who operated out of his LLC. When he filed bankruptcy, the trustee took over the LLC and sold it to an accountant from Minnesota who wanted to live in Arizona where it was warmer. Thus, he lost his business. If his attorney had him operate as a sole proprietor he could have kept his business.

4. The client had $80,000 in a mutual fund that he thought was an IRA. His lawyer never looked at the statement, which clearly said it was not an IRA fund. The trustee took the $80,000.

5. The client was disabled and received $3,400 in benefits from his private disability policy. His lawyer told him these benefits were exempt and filed bankruptcy for him. Disability benefits are only exempt if they are from an employer disability policy, not a private one. The trustee took the benefits and the client never received any more benefits for the rest of this life.

6. The clients owned 2 houses, the big house they lived in and their former residence which they rented. Along with the bankruptcy filing, they planned to downsize and move into the smaller cheaper rental house with $50,000 equity. Their big house had no equity and had payments of $3,000 per month. Their lawyer told them they could file bankruptcy and declare their intention to move into the rental house in 6 months, thereby protecting it from the trustee. Wrong. They filed their bankruptcy and the trustee took their rental house. They had to be living in it on the day the bankruptcy was filed.

Bankruptcy is an important federal right that everyone has. However, as shown above, you need a good bankruptcy attorney to guide and protect you through the bankruptcy. Make sure you do your homework and check out that the attorney you hire is experienced with a good reputation in the community.

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October 21, 2014

Purchase of A New Car Prior to Bankruptcy Filing — Beware the Trustee

One issue which comes up periodically when contemplating the filing of a bankruptcy is whether to purchase a new car prior to filing the case. Most chapter 7 debtors say that they need to purchase a car before the filing of the bankruptcy because they feel their credit will not allow them to purchase a car after the discharge. Most chapter 13 debtors say that they need a new car now, so they can survive the five year chapter 13. Generally, our experience has been that chapter 11 debtors rarely express these concerns. In each case the debtor intends to pay for the vehicle and retain it.

There is an Arizona statute, A.R.S. § 28-2133 which provides for the procedures relating to the recordation of a lien on a vehicle title. Essentially, what the statute means is that a creditor must perfect its security interest within 30 days of a new buyer taking possession of a vehicle, or the security interest may be set aside. The full text of the statute is as follows:

28-2133. Index and filing of liens, encumbrances or instruments; constructive notice

A. The department shall maintain an appropriate index of all liens, encumbrances or title retention instruments filed as provided by this article.

B. The filing and issuance of a new certificate of title as provided in this article is constructive notice to creditors of the owner or to subsequent purchasers of all liens and encumbrances against the vehicle described in the certificate of title, except those that are authorized by law and that are dependent on possession. If the documents referred to in this article are delivered to a registering office or an authorized third party provider of the department within thirty days after the date of their execution, the constructive notice dates from the time of execution. Otherwise, the notice dates from the time of receipt and filing of the documents by the department as shown by its endorsement. For the purposes of this subsection, the time stamp on the documents that is administered by the registering officer or authorized third party provider of the department electronically or otherwise is conclusive as to the time and date of delivery of the documents.

C. The method provided in subsection B of this section for giving constructive notice of a lien or encumbrance on a vehicle required to be titled and registered under section 28-2153 or a mobile home required to be titled under section 28-2063 is exclusive, except for liens dependent on possession. A lien, encumbrance or title retention instrument or document that evidences any of them and that is filed as provided by this article is exempt from the provisions of law that otherwise require or relate to the recording or filing of instruments creating or evidencing title retention or other liens or encumbrances on vehicles of a type subject to registration under this chapter.

D. Notwithstanding any other law and except as otherwise provided in this subsection, the failure of a motor vehicle dealer as defined in section 28-4301, a finance company or the department to complete the paperwork within thirty days as prescribed in subsection B of this section shall not result in the loss of the vehicle for either the lienholder or the person who purchased the vehicle. This subsection does not limit or negate the powers of a trustee under 11 United States Code section 547 or any successor statute.

So what, you may ask, has this to do with someone who decides to file for a bankruptcy and buys a car prior to the filing of the case? For a chapter 7, it means that if your new car lienholder DOES NOT properly perfect its lien within 30 days of taking delivery of the vehicle, then the Chapter 7 Trustee can get a court order that 1) voids the lienholder’s lien and 2) allows the Trustees to sell your car. You will get nothing, and no exemption proceeds from this action by the Trustee. The Trustee will use this money to pay a percentage to unsecured creditors who file claims in your chapter 7 case.

For a chapter 13, it means that if your new car lienholder DOES NOT properly perfect its lien within 30 days of taking delivery of the vehicle, then the Chapter 13 Trustee can get a court order that 1) voids the lienholder’s lien and 2) allows the Trustee to divert all the money that you would have paid to the car creditor through the chapter 13 plan to pay general unsecured creditors who file claims. You still get to keep the car in a chapter 13 and at the END of the case you get the title. If you do not finish the chapter 13, then the lien is restored if the case is dismissed. If the case is converted to chapter 7, the lien avoidance will be handled by the chapter 7 Trustee.

Bottom line is that you should seriously consider whether to file a bankruptcy after purchasing a new vehicle. You should definitely check to see if the lienholder has timely (no later than 30 days after delivery) filed its lien with the motor vehicle division. If you choose to file bankruptcy shortly after purchasing a new vehicle, it is extremely important that you contact competent bankruptcy counsel to guide you through the process so that your vehicle is not lost or put at risk of loss without your knowledge.

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September 26, 2014

Bankruptcy Protection For Private Student Loans

Private student loans are currently nearly impossible to discharge in bankruptcy. Legislation proposed by Sen. Tom Harkin (D-Iowa) as part of a larger higher education package would allow private student loans to be discharged in bankruptcy. Reform to the current student loan bankruptcy laws has to be addressed due to the size and scope of the debt amounts current student loan holders have.


The original motivation for reigning in dischargeability of student loan debt centered around preserving government loans, with proponents of reform painting bleak scenarios about federal educational aid drying up if the discharge status quo carried the day. The first student loan reforms took place in 1976 as an amendment to the Higher Education Act and required that debtors wait five years from the beginning of their repayment period, or demonstrate undue hardship, before their student loans were eligible for discharge in bankruptcy. The five year bar was later extended to seven years and in 1998, the laws were changed so that governmental student loans could never be discharged absent a showing of undue hardship. In 2005, the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) made all educational loans, public and private, nondischargeable absent a showing of undue hardship (an impossible standard to meet as interpreted by courts across the country).

With one-in-three students loans considered delinquent and often affecting a student’s ability to make purchases in the future, the bill could offer much-needed reprieve for college students left with mountains of both federal and private student loans. However, the likelihood of the bill moving forward this session is slim, the WSJ reports.

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September 18, 2014


One issue which comes up when contemplating the filing of a bankruptcy is the homestead exemption. Normally the issue is fairly straight forward. Arizona’s Homestead Exemption, ARS. 33-1101provides: Homestead exemptions; persons entitled to hold homesteads

A. Any person the age of eighteen or over, married or single, who resides within the state may hold as a homestead exempt from attachment, execution and forced sale, not exceeding one hundred fifty thousand dollars in value, any one of the following:

1. The person's interest in real property in one compact body upon which exists a dwelling house in which the person resides.

2. The person's interest in one condominium or cooperative in which the person resides.

3. A mobile home in which the person resides.

4. A mobile home in which the person resides plus the land upon which that mobile home is located.

B. Only one homestead exemption may be held by a married couple or a single person under this section. The value as specified in this section refers to the equity of a single person or married couple. If a married couple lived together in a dwelling house, a condominium or cooperative, a mobile home or a mobile home plus land on which the mobile home is located and are then divorced, the total exemption allowed for that residence to either or both persons shall not exceed one hundred fifty thousand dollars in value.

C. The homestead exemption, not exceeding the value provided for in subsection A, automatically attaches to the person's interest in identifiable cash proceeds from the voluntary or involuntary sale of the property. The homestead exemption in identifiable cash proceeds continues for eighteen months after the date of the sale of the property or until the person establishes a new homestead with the proceeds, whichever period is shorter. Only one homestead exemption at a time may be held by a person under this section.

There is no requirement to file any paperwork with the county recorder if you only have one home that you live in. If you have more than one home, you may wish to consider filing a homestead declaration with the county recorder where you live.

Although the homestead exemption appears to be rather straightforward, there are issues which may arise. One of those issues comes up when a debtor sells their home BEFORE filing bankruptcy, or AFTER filing bankruptcy. It is possible to exempt, or hold safe, the proceeds from the sale of one’s homestead, however there are strict requirements that have been developed through case law. A debtor who sells a home should place that money in a special bank account that has ONLY homestead proceeds. No other monies should be co-mingled in the account. To co-mingle could result in a loss of the exemption to the Trustee or to creditors.

A very important rule, which goes to the purpose of the homestead exemption, is that one who sells a home and does segregate the homestead proceeds must use the proceeds to purchase another home within eighteen months after receiving the proceeds. Failure to use the proceeds to purchase another home could result in the loss of the exemption and a trustee’s move to confiscate the funds for the benefit of creditors.

Bottom line is that the homestead exemption is very important and allows one to exempt up to $ 150,000.00 in equity for the purpose of a home. If you choose to sell your home before, or shortly after the filing of a bankruptcy, it is extremely important that you contact competent bankruptcy counsel to guide you through the process so that your homestead proceeds are not put at risk of loss.

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September 3, 2014


As followers of this Blog know, Chapter 7 is the most common type of bankruptcy. This is the bankruptcy that discharges your debts. In exchange for that, a trustee is appointed who liquidates certain assets to pay your debts. However, you get to keep other items, i.e. the trustee cannot take them. These include your home with equity of up to $150,000, your car with equity of up to $6000, most household goods and appliances, a computer, and retirement plans.

A Chapter 13, on the other hand, is a reorganization bankruptcy where you pay your disposable income to the trustee for 3-5 years in order to obtain your discharge. Debts do not necessarily have to be paid in full. Disposable income means the income you have left over after paying your reasonable living expenses such as house payment, food, utilities etc. Paying $1000 per month to play golf would not be a reasonable expense.

When looking at these 2 types of bankruptcies, many clients ask me why someone would ever file a Chapter 13? After all, who would want to make payments for 5 years in a Chapter 13, when there are no payments in a Chapter 7 and you get your discharge in 4-5 months? The answer is that you can accomplish things in a Chapter 13 that you cannot do in a Chapter 7. Here are some of the reasons someone would file a Chapter 13 rather than a Chapter 7.

1) If your income is very high, the bankruptcy code may say you do not qualify for a Chapter 7.

2) A Chapter 13 can pay your taxes in full over 5 years, making IRS take payments that you can afford.

3) A Chapter 13 can stop a house foreclosure and allow you to make up the back payments over time.

4) Many of my self-employed small business clients file Chapter 13 because it allows them to keep their business. In a Chapter 7, it is very likely that the Trustee will take over or shut down your business.

5) In a Chapter 13, the trustee does not take any of your assets, you get to keep them all. I had a client who owned a sand rail. This was not exempt and the trustee would have taken it in a Chapter 7. We filed a Chapter 13 for her and she got to keep it.

6) Divorce debt (but not child support or spousal maintenance) can be discharged in a Chapter13 only. It cannot be discharged in a Chapter 7.

The Chapter 13 can be a powerful tool to allow you reorganize your finances and should never be overlooked when one considers their bankruptcy options. That is why we offer a free 1.5 hour consultation so we can explain the bankruptcy process to you, look at your individual situation, and advise you of all of your options, both bankruptcy and non-bankruptcy. You will then have the necessary information needed so you can make the appropriate informed decision on what is right for you.

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