Chapter 13 is a 3–5 year repayment plan that lets Pennsylvania homeowners cure mortgage arrears, keep cars, pay PA tax debt over time, and discharge remaining unsecured debt at the end.
What you should know
Chapter 13 is the right choice when you're behind on a mortgage or car loan, have non-dischargeable tax debt, or have too much equity or income for Chapter 7. The plan pays the trustee a single monthly payment; the trustee distributes funds to creditors according to a plan we propose and the court confirms.
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