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Chapter 13 Attorney

Chapter 13 bankruptcy allows people with a regular income to develop a wage earner's plan to repay their debts. 

There are many advantages to choosing chapter 13 bankruptcy over the more common chapter 7 option

Bankruptcy attorney Adam C. Brown Esq., helps Middlesex County, NJ, and Cherry Hill, NJ, understand and complete chapter 13 bankruptcy. 

What Is Chapter 13 Bankruptcy?

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A chapter 13 bankruptcy repayment plan allows debtors to repay all or parts of their debts. If your monthly income is over the New Jersey state median, you will generally have a 5-year plan to repay creditors. If your income is less, your time limit will be three years. Once you have successfully filed for chapter 13, bankruptcy courts restrict creditors from continuing or beginning new collection efforts from debtors. If you complete your payment plan, your debts will be eliminated even if they are not fully paid off.

Chapter 13 offers many benefits over chapter 7 bankruptcy. Chapter 13 is highly popular because it allows people to stop foreclosure proceedings and in some cases even resolve delinquent mortgage payments. This allows individuals who have significant debts but enough income to make their monthly home payments and pay creditors to keep their homes. 

Chapter 13 can also be used to protect third-party co-debtors from being pursued by creditors. It also creates necessary space between a debtor and a creditor by assigning a trustee to distribute debt payments so you have no contact with your creditors. 

Additional Uses of Chapter 13

Lien Stripping

Lien stripping lets qualified debtors eliminate unsecured property liens if their mortgage is greater than the fair market value of their home. This option is unavailable in chapter 7, making it unique to chapter 13. 

Cram Down

With chapter 13, you can do a "cram down" to lessen monthly payments owed on a loan by extending the loan payment period. This can be used for car loans, investment property mortgages, and more, but not for your principal residence. 

Reach Out to Our Bankruptcy Attorney Schedule a Free Consultation Today

Our bankruptcy lawyer is here to explain bankruptcy law and make clear what your responsibilities as a debtor would be to creditors under chapter 13 bankruptcy. Once you are ready to confidently file, he can handle all necessary aspects of your chapter 13 plan in bankruptcy court. 

Bankruptcy law is one of Adam Brown's primary focuses. Mr. Brown knows his Middlesex County, NJ, and Cherry Hill, NJ, clients are under significant stress. To help ease their financial burdens, he offers free consultations. Our bankruptcy lawyer can also schedule a virtual consultation from our New Brunswick or North Bergen office for added convenience. Contact him today to find your fresh start with a chapter 13 plan. 

(973) 281-2388

Attorney Adam Brown

5-Star Reviews  From Middlesex County, New Jersey


Amber J.


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After consulting with a few lawyers, Mr.Brown was, by far, my top pick, and I was glad to have him represent me. He was extremely professional, knowledgeable, realistic about my options, and a pleasure to work with. I was very happy with how he handled my case, listened to my wants and needs, and acted on my behalf.

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Jazmin Peralta


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Adam was tremendous help. He ensured I understood what was going on, share my concerns and provided space to address concerns and explain best next steps. He was timely and communicated effectively. Truly thankful for all your help! Would definitely recommend.

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Chapter 13 Bankruptcy Has Debt Limitations

It is important to understand there is a maximum debt limit for filing chapter 13 bankruptcy. Your combined secured and unsecured debts must be less than $2,750,000. 

What Is Secured Debt?

Secured debt is debt backed by collateral that a lender has a lien on. Examples of secured debt include a home mortgage or car loan. 

What Is Unsecured Debt?

Unsecured debt is not backed by collateral. Examples of unsecured debts include personal loans, student loans, and traditional credit cards. 

Major Chapter 13 Milestones

A chapter 13 repayment plan involves many complex steps. Our bankruptcy attorney in New Brunswick and North Bergen can help handle each for you so you do not have to worry about confusing legal details. 
Adam Brown can handle each aspect of your case so you can focus on other areas of your life. 
Adam Brown can handle each aspect of your case so you can focus on other areas of your life. 

Credit Counseling

In the six months before filing for chapter 13 bankruptcy, you must complete a U.S. Trustee-approved credit counseling course. This mandatory education teaches financial planning and debt management techniques. Mr. Brown can help select the right course for you. 

Petition Filing

Mr. Brown can help you prepare the information that is necessary to file. This includes detailed accounts of your property(s), expenses, and income as well as all your debts owed to creditors. Mr. Brown will then undergo the complex drafting and submission of your official repayment plan and file all necessary documents. 

Early Stages

A trustee will be appointed to oversee your case and an automatic stay of your debts will go into effect immediately. Creditors can file motions to circumvent the stay and seek debt payments from you. Mr. Brown can fight these tactics in bankruptcy court. Approximately one month after filing, you must start making your first payments.  

Key Hearings

You and your attorney must attend the 341 hearing. During this meeting, the trustee and your creditors will ask questions about your documents and finances. They may also object to your plan. Mr. Brown can defend you and provide guidance on any issues that arise. Our attorney can then attend your confirmation hearing to address any objections and seek final confirmation. 

More 5-Star Reviews  From Middlesex County, New Jersey


Jonathan Lloyd


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Adam was a great source of knowledge and information, and make me and my fiancé very comfortable discussing typically uncomfortable matters and situations. Highly recommend his services and time!

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Kimberly Taylor


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I have had the absolute most pleasure of working with Mr.Brown. Work with integrity;
He is kind and caring. I have nothing negative to say about Mr.Brown. Highly recommend!

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Law Offices of Adam C Brown Esq. PC

Law Offices of
Adam C Brown Esq. PC

Law Offices of Adam C Brown Esq. PC is a dynamic regional law firm practicing family and bankruptcy law throughout the state of New Jersey. Our professional affiliations include:

  • New Jersey State Bar
  • Garden State Bar Association
  • Hudson County Bar Association
  • National Association of Consumer Bankruptcy Attorneys

You can request a consultation online or by calling (973) 281-2388.

Contact Us Today

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