To qualify for Chapter 13 bankruptcy, you must:

  • Have no more than $419,275 in unsecured debt
  • Have no more than $1,257,850 in secured debts (including mortgages and car loans)
  • Be up to date on all your tax filings (income, GET, etc.) at the time of filing, or within a couple of months after we file your case
  • Have enough income to pay for your current obligations and living expenses plus sufficient disposable income to make your plan payments

It’s important to remember that debt limits are subject to change. There are certain exceptions to the type and amount of secured or unsecured debt factored in the debt limits eligibility requirements. You should not rely on this information and should consult with a bankruptcy attorney to determine your Chapter 13 eligibility.