Chapter 13

For many people who do not qualify for Chapter 7, Chapter 13 is the best option for dealing with overwhelming debt. Chapter 13 bankruptcy provides consumers with an opportunity to restructure their debts and begin to regain their financial freedom.

While many consumers use Chapter 13 bankruptcy to avoid home foreclosure, it can be used to help alleviate other issues like:

  • Credit card debts
  • Medical bills
  • Utility bills
  • Car loans
  • Property loans
  • Tax debt
  • Judgments

    How Does Chapter 13 Bankruptcy Work?

    Unlike Chapter 7 bankruptcy, which focuses on debt discharge, Chapter 13 bankruptcy consists of a repayment plan that allows you to pay back a percentage of your debts. After the repayment plan is completed, a portion of your remaining debts will be discharged, giving you the fresh financial start you need.

    One of the most powerful features of a Chapter 13 bankruptcy is the ability to stop a Sheriff sale and/or foreclosure of a home, or to assist people with getting caught up on their mortgage payments when they fall behind. This works by allowing the home owner to pay the arrearage (past due payments) over the course of the bankruptcy plan while they are allowed to stay in their home.

    Within 30 days of filing for Chapter 13, you will be required to begin making payments. I will work closely with you to negotiate a repayment plan that meets your needs.

    Client Reviews

    She helped my husband and I through a difficult time. We had lost our main source of income, lost our home, and were in so much debt. She was very respectful of our...


    Highly recommend. Very upfront, efficient, and knowledgeable. She guided me through this entire process and made it seem not so stressful.


    A rare attorney who cares about her clients. She did great work for me.

    David R.

    Kim Diddio was great through our bankruptcy case. She is very easy to speak with and walked us through the process. She makes you feel you are making the right decision...


    Great person to work with. Very knowledgeable and easy to communicate with. She makes a difficult time a little bit easier.

    Suzanne W.

    Kim is a fabulous lawyer! She walked me through my chapter 7 step by step and always answered any questions that I had. Very professional and knowledgeable. Would...


    She is an amazing person who will help you in your time of need.

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