hat
Èske ou bezwen tan pou kenbe sou mògèj ou? Èske ou gen nonexempt pwopriyete nou swete pou kenbe? Èske ou dwe peye taks oubyen sipòte peman sa ou bezwen tan pou fin peye san sans ki dwe? Lòd mwen yo varye a men homesteads pansyon machin ak piye kay yo jeneralman tout egzan. Si ou yo reponn wi nou kapab konsidere chapit 13 bankwout. Si lajan ou gen plis pouvwa pase eta medyàn ou gen pou peye sou plan repeye ou pandan senk. Si se pa vre, plan twa ane an se sèlman yon opsyon ou lè ou ranpli pou chapit 13. Si ou reponn pa pou kesyon sa yo pase chapit 7 bankwout se yon opsyon pou pi bon.
eng
Do you need time to catch up on your mortgage? Do you have nonexempt property you wish to keep? Do you owe taxes or support payments that you need time to pay off without the hassle of creditors? The rules vary from state to state but generally homesteads, pensions, cars and household goods are all exempt. If you answered yes you may consider chapter 13 bankruptcy. If your income is greater than the state median you have to pay on your repayment plan for five years; if it isn't the three year plan is your only option when filing for chapter 13. If you answer no to these questions than chapter 7 bankruptcy is the better option.