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Chapter 13 Bankruptcy Lawyer 

Contact the Law Office of Kimberly A. Sheek for Help

Chapter 13 is known as reorganization bankruptcy because it requires debtors to repay most of their debt through a Chapter 13 repayment plan. When you file for this type of bankruptcy, you must submit a proposal to the court that includes how you intend to pay back debt, which may include overdue mortgage payments, car loans, and other types of debt.

Repayment plans are determined by:

  • The amount of debt you have
  • Your disposable income—how much can you afford after necessary expenses
  • Administrative fees
  • Interest

If you are interested in filing for Chapter 13, contact me, a Charlotte bankruptcy lawyer, at the Law Office of Kimberly A. Sheek. I can review your situation to determine whether Chapter 13 is right for you or if you qualify for Chapter 7 bankruptcy. My law firm puts clients first and works hard to make sure that you receive effective guidance and care during the process.

Is Chapter 13 Bankruptcy Right for You?

Chapter 13 bankruptcy is a proven method that has helped countless debtors resolve their financial problems. If you do not qualify for Chapter 7 and are facing the foreclosure of your home, repossession of your vehicle, and large delinquencies, then you can absolutely benefit from filing for Chapter 13. The moment you file for bankruptcy, all collection actions must be halted. This means that your foreclosure and repossession will pause, and creditors are not permitted to harass you. Chapter 13 petitioners can also keep most of their possessions, such as their home and car. 

Eligibility Requirements for Chapter 13 Bankruptcy

Are you struggling against debt? Chapter 13 might be a good option for you, however, not everyone is eligible to file. Learn more about how to qualify for Chapter 13 bankruptcy.

Below are the requirements for qualifying for Chapter 13:

  • Complete the official Chapter 13 bankruptcy paperwork
  • Prove that you are up-to-date on your tax filings
  • Show that your debt is within the amount limitations -- combined total secured and unsecured debts are less than $2,750,000. For cases filed between April 1, 2022 and March 31, 2025 the limits are $465,275 for unsecured debts and $1,395,875 for secured debts.
  • Have proof of employment and that you earn enough income to pay a monthly payment plan while being able to live comfortably

If you are facing debt and you are unsure if you are eligible, do not hesitate to speak with experienced Chapter 13 bankruptcy lawyers at Law Office of Kimberly A. Sheek. Phone consultations are free of charge -- simply dial (704) 842-9776 to get started today.

Understanding the Chapter 13 Bankruptcy Process

During a Chapter 13 case, a trustee will be appointed to review the proposed repayment plan from the debtor. There will be a meeting of creditors where the repayment plan is discussed with creditors. Next, there will be a confirmation hearing where the court will approve or reject the proposed plan. Once the plan is approved, you must begin making payments.

Chapter 13 bankruptcy can take anywhere from three to five years, after which the remaining debt will most likely be discharged once you have completed your payments.

Seasoned Legal Chapter 13 Bankruptcy Care in Charlotte, NC

Living in Charlotte, you may be facing unique financial challenges, especially with the rising cost of living and the competitive housing market. Many residents find themselves struggling with mortgage payments, car loans, and other debts that can feel overwhelming. Fortunately, Chapter 13 bankruptcy offers a viable solution for those looking to regain control of their finances while keeping their homes and vehicles.

Local resources, such as the City of Charlotte and the Mecklenburg County Government, provide various support services for residents in financial distress. These entities can guide you to community programs that may assist with budgeting, financial education, and even housing assistance. However, navigating these options can be daunting, and that’s where the Law Office of Kimberly A. Sheek can help.

Many Charlotte residents experience anxiety over potential foreclosure or repossession, especially in a city where homeownership is a significant part of the community's identity. Chapter 13 bankruptcy can halt these collection actions, giving you the breathing room needed to create a repayment plan tailored to your financial situation. Our firm understands the local market and the specific pain points faced by our clients, allowing us to provide personalized guidance throughout the bankruptcy process.

If you’re unsure about your eligibility for Chapter 13 bankruptcy, we can help you assess your financial situation and determine the best course of action. With the support of local government resources and our dedicated team, you can find a path to financial stability right here in Charlotte.

Schedule Your Free Consultation for Chapter 13 Bankruptcy

For more information about filing for Chapter 13 or another type of debt relief option, contact my law firm. I can discuss your debts and advise you on the best possible way to resolve them.

Contact (704) 842-9776 to speak with bankruptcy Chapter 13 attorneys at Law Office of Kimberly A. Sheek.

Frequently Asked Questions About Chapter 13 Bankruptcy

What is the difference between Chapter 13 and Chapter 7 bankruptcy?

Chapter 13 bankruptcy involves creating a repayment plan to pay off debts over time, while Chapter 7 bankruptcy involves the liquidation of assets to pay off debts. Eligibility requirements and the impact on assets and income also differ between the two chapters.

Can I keep my home and car if I file for Chapter 13 bankruptcy?

In many cases, individuals filing for Chapter 13 bankruptcy can keep their home and car as long as they continue to make payments outlined in the repayment plan. However, it's important to consult with a bankruptcy attorney to understand specific eligibility and requirements.

What are the benefits of filing for Chapter 13 bankruptcy?

Filing for Chapter 13 bankruptcy can stop foreclosure, repossession, and creditor harassment, providing immediate relief. It also allows debtors to restructure their debts and create a manageable repayment plan, offering a path to financial stability.

How long does a Chapter 13 bankruptcy typically last?

Chapter 13 bankruptcy repayment plans generally last between three to five years. Once the repayment plan is completed, remaining eligible debts are typically discharged, providing a fresh start for the debtor.

How does filing for Chapter 13 bankruptcy affect my credit score?

Filing for Chapter 13 bankruptcy will have an impact on your credit score, as it indicates to creditors that you are in financial distress. However, many individuals find that their credit scores improve over time as they adhere to their repayment plan. Unlike Chapter 7 bankruptcy, which can remain on your credit report for up to ten years, Chapter 13 typically stays for seven years.

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

Missing a payment can have serious consequences, including the potential dismissal of your bankruptcy case. It's crucial to communicate with your bankruptcy attorney if you anticipate missing a payment, as they may be able to help you modify your plan or address the issue with the court.

Can I modify my Chapter 13 repayment plan after it has been approved?

Yes, it is possible to modify your Chapter 13 repayment plan after it has been approved by the court. If your financial situation changes due to job loss, medical expenses, or other unforeseen circumstances, you can request a modification to adjust your payment amounts or the duration of the plan.

    Kimberly A. Sheek

    Gabby and Rusty

    Backed by more than a decade of legal experience, I have been selected for the 2013 and 2016 list of Rising Stars℠, an honor that goes to only 2.5 percent of all North Carolina attorneys. I am known for delivering personalized legal support and satisfactory results. I am dedicated to preserving my clients’ best interests through negotiations instead of going to trial; but if a trial is unavoidable, I then prove to be an aggressive litigator. See how I am qualified to represent you.

    How Is the Law Office of Kimberly A. Sheek

    the Right Choice for You?
    • Fast Results
    • Over a Decade of Legal Experience
    • Published Author & Speaker at Bankruptcy Seminars
    • Attorney Who Works One-on-One With You

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    • "Thank You For Your Support!"
      Kim and Team have done a great job over the past few years helping me navigate this financial disaster brought on by divorce. They always kept me informed throughout the process and Carol kept me on track with my classes. Kim is very straight forward and was always responsive to my emails. Cause, I have 20 questions! Thanks Kim for helping me make some very important life decisions the past few months 2022! Who knew? If you had told me last year I'd be debt free, sold my house and a 680 credit score, i wouldn't believe it. Thanks to you I've landed on my feet. There is life after Chapter 13.
      K Davis
      Charlotte, NC
    • "Kim did a Great job with my case!!!"
      Kim was Fantastic in assisting me with my bankruptcy case. I suffered a pulmonary embolism back in 2019 and deal with mild/moderate memory & retention issues and Kim was so incredibly understanding, helpful and considerate of my condition while assisting me through the emotionally challenging process of filing for bankruptcy. I am extremely grateful I found Kim and had her successfully guide me through this process. I Highly Recommend Kim to anyone having to file for bankruptcy. You will be so very glad you did!
      BSF
      Locust, NC
    • "Amazing"
      Kimberly Sheek is an Amazing Attorney to work with. She is pleasant very patient and turn around time is awesome. She is passionate about her job and she makes you feel like she cares . She returns calls promptly If I ever need an Attorney she will be my first call.
      Richard Taylor
      Charlotte, NC
    • "Awesome Experience"
      Kimberly has truly been a pleasure to work with throughout my bankruptcy process. She is very sweet, patient, and honest. She truly made this process so much easier to deal with and she put my fears to rest. She always responds to calls and emails promptly and her turnaround time with my case was amazing! I highly recommend her if you’re in need of an attorney.
      Donna Clarke
      Charlotte, NC
    • "Of Course You Want The Best - Well Here She Is"
      My recent experience with Kimberly Sheek Law Office has been nothing but a positive one. I was very concerned about everything the bankruptcy process would entail. Mrs. Sheek was direct, detailed, always pleasant to speak with and always got back to me in a timely manner. She graciously walked me through every part of the process, clearly explaining my options, and clarified which steps I would need to take in order to cleanly go through with the legal proceedings. I highly recommend Mrs. Sheek to anyone in need of a Bankruptcy Attorney.
      Mary
      Huntersville, NC
    • "Great attorney. Excellent service."
      Kim is an outstanding attorney she's very thorough in her work and in explaining bankruptcy proceedings I'm most grateful to her for helping me work through this issue and getting it behind me.
      M. Williams
      Charlotte, NC
    • "NC"
      Kimberly A. Sheek is the best attorney ever! I was very nervous going into this bankruptcy procedure and had no idea what to expect. Kim assured me from day one that all would be well explained the procedures pretty much step by step to make sure I would be prepared. When I went to the creditors meeting, she came over and reassured me that I had nothing to worry about and she was right, as it took no more than 10 min at the most and went quite smoothly. I received my discharge papers right around the time she said I would. If you are looking for a qualified, smart, caring and educated BK Attorney, you cannot go wrong with Kim.
      Paulette B.
      Charlotte, NC
    • "Good Experience"
      I was looking for a bankruptcy attorney for my daughter. Being new to the area I began searching the internet for one. After narrowing down my search, I selected Attorney Kimberly. When we met with her for the first time I felt confident that we had the right person. We were fearful going in but relaxed when we left. I really liked how she worked with my daughter, explaining how the different laws work so that my daughter had all of facts before making a decison. Even later when we had questions, Attorney Kimberly returned our calls or sent us an email. If you are looking for someone that will put your mind to rest, knowledgeable, friendly and concerned about YOU then I suggest you hire Attorney Kimberly Sheek.
      A. Thomas
      Charlotte, NC

    Hear From Our Happy Clients

    At Law Office of Kimberly A. Sheek, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

      "Thank You For Your Support!"
      Kim and Team have done a great job over the past few years helping me navigate this financial disaster brought on by divorce. They always kept me informed throughout the process and Carol kept me on track with my classes. Kim is very straight forward and was always responsive to my emails. Cause, I have 20 questions! Thanks Kim for helping me make some very important life decisions the past few months 2022! Who knew? If you had told me last year I'd be debt free, sold my house and a 680 credit score, i wouldn't believe it. Thanks to you I've landed on my feet. There is life after Chapter 13.
      K Davis
      Charlotte, NC
      "Kim did a Great job with my case!!!"
      Kim was Fantastic in assisting me with my bankruptcy case. I suffered a pulmonary embolism back in 2019 and deal with mild/moderate memory & retention issues and Kim was so incredibly understanding, helpful and considerate of my condition while assisting me through the emotionally challenging process of filing for bankruptcy. I am extremely grateful I found Kim and had her successfully guide me through this process. I Highly Recommend Kim to anyone having to file for bankruptcy. You will be so very glad you did!
      BSF
      Locust, NC
      "Amazing"
      Kimberly Sheek is an Amazing Attorney to work with. She is pleasant very patient and turn around time is awesome. She is passionate about her job and she makes you feel like she cares . She returns calls promptly If I ever need an Attorney she will be my first call.
      Richard Taylor
      Charlotte, NC
      "Awesome Experience"
      Kimberly has truly been a pleasure to work with throughout my bankruptcy process. She is very sweet, patient, and honest. She truly made this process so much easier to deal with and she put my fears to rest. She always responds to calls and emails promptly and her turnaround time with my case was amazing! I highly recommend her if you’re in need of an attorney.
      Donna Clarke
      Charlotte, NC
      "Of Course You Want The Best - Well Here She Is"
      My recent experience with Kimberly Sheek Law Office has been nothing but a positive one. I was very concerned about everything the bankruptcy process would entail. Mrs. Sheek was direct, detailed, always pleasant to speak with and always got back to me in a timely manner. She graciously walked me through every part of the process, clearly explaining my options, and clarified which steps I would need to take in order to cleanly go through with the legal proceedings. I highly recommend Mrs. Sheek to anyone in need of a Bankruptcy Attorney.
      Mary
      Huntersville, NC
      "Great attorney. Excellent service."
      Kim is an outstanding attorney she's very thorough in her work and in explaining bankruptcy proceedings I'm most grateful to her for helping me work through this issue and getting it behind me.
      M. Williams
      Charlotte, NC
      "NC"
      Kimberly A. Sheek is the best attorney ever! I was very nervous going into this bankruptcy procedure and had no idea what to expect. Kim assured me from day one that all would be well explained the procedures pretty much step by step to make sure I would be prepared. When I went to the creditors meeting, she came over and reassured me that I had nothing to worry about and she was right, as it took no more than 10 min at the most and went quite smoothly. I received my discharge papers right around the time she said I would. If you are looking for a qualified, smart, caring and educated BK Attorney, you cannot go wrong with Kim.
      Paulette B.
      Charlotte, NC
      "Good Experience"
      I was looking for a bankruptcy attorney for my daughter. Being new to the area I began searching the internet for one. After narrowing down my search, I selected Attorney Kimberly. When we met with her for the first time I felt confident that we had the right person. We were fearful going in but relaxed when we left. I really liked how she worked with my daughter, explaining how the different laws work so that my daughter had all of facts before making a decison. Even later when we had questions, Attorney Kimberly returned our calls or sent us an email. If you are looking for someone that will put your mind to rest, knowledgeable, friendly and concerned about YOU then I suggest you hire Attorney Kimberly Sheek.
      A. Thomas
      Charlotte, NC