You Don’t Have to Start Over

Chapter 13 Can Help You Rebuild

If you're earning income but falling behind, Chapter 13 gives you the chance to restructure debt and keep what matters most. It’s not about losing everything—it’s about taking control of what’s next.

Start the Conversation

What We’ll Do for You

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Break Down the Process

We explain every step—from filing to discharge—in plain language so you’re never guessing.

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Create a Manageable Plan

We’ll help develop a realistic repayment strategy that works with your income, not against it.

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Protect What You Own

From your house to your car, Chapter 13 can help you keep critical assets while catching up.

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Stay by Your Side

Questions? Court dates? Deadlines? We’ll be there every step of the way to keep things steady.

Clear Help, Clear Path Forward

What Chapter 13 Bankruptcy Means for You

Chapter 13 is designed for people who earn regular income but need time and structure to catch up on debt. It helps stop creditor calls, wage garnishment, and foreclosure while you get organized.


Instead of wiping everything clean, it lets you repay debt over three to five years through a court-approved plan—without losing the things you’ve worked hard for.

Key Components

  • Repayment Plan

    You’ll make monthly payments to a court-appointed trustee based on what you can realistically afford. The trustee then distributes those funds to creditors over three to five years. This plan helps you stay on top of obligations without drowning under interest or fees.

  • Automatic Stay Protection

    Once you file, most collection efforts must stop. That means no more creditor harassment, lawsuits, wage garnishments, or foreclosure actions while your case is active—giving you time to regroup and reassess.

  • Debt Discharge

    At the end of your repayment period, remaining qualifying unsecured debts (like credit cards or medical bills) may be discharged. That means you’re no longer legally required to pay them, offering a true fresh start.

Explore Our Trustees

Not sure where to send payments or find trustee info? We’ve gathered the details you need to stay on track throughout your Chapter 13 case—all in one easy place.

Jack W. Gooding

As a Standing Chapter 13 Trustee for both the Eastern and Western Districts of Arkansas, this trustee oversees repayment plans and distributions—ensuring cases move smoothly and fairly through the court system for individuals seeking financial relief.

Mark T. McCarty

Serving Arkansas’s Eastern and Western Districts, this Chapter 13 Trustee plays a key role in managing repayment plans, reviewing filings, and helping ensure both compliance and fairness throughout the bankruptcy process.

Common Questions About Chapter 13

  • Will I lose my house or car in Chapter 13?

    Not necessarily. One of the advantages of Chapter 13 is its ability to help you catch up on missed payments while keeping assets like your home and vehicle. As long as you stay current on your repayment plan and meet your mortgage or loan obligations, you’re typically able to retain them.

  • How long does Chapter 13 bankruptcy last?

    The standard repayment period is between three and five years. The exact timeline depends on your income, expenses, and the amount of debt you're reorganizing. During this time, you’ll make monthly payments to a trustee, who then distributes those funds to your creditors under a court-approved plan.

  • What debts can be included in a Chapter 13 plan?

    You can include most types of debt: secured debts (like car loans or mortgages), unsecured debts (like credit cards and medical bills), and even certain tax debts. Some debts—like student loans or child support—typically cannot be discharged but may still be part of your repayment structure.

  • Can I apply for new credit during my repayment plan?

    You can, but you’ll need permission from the bankruptcy court first. While it's possible to take on new credit in some situations (like replacing a car), the court wants to ensure it won’t interfere with your ability to meet your current obligations under the plan.

  • What happens if I miss a payment?

    Missing a payment can jeopardize your case. However, the court understands life happens. If you’re struggling, it's important to let your attorney know right away. We can often work with the court to modify your plan or get you back on track without dismissal.