Information for Debtors

A debtor is a person who is in debt or under financial obligation to another person or entity.

Chapter 13 is one method under the Bankruptcy Code to obtain relief from your creditors while at the same time providing a fair means to pay them back as much as you can.   It allows you to keep some or all of your property during the time you are paying your creditors back, and it permits you to modify some contract payments and interest rates.  Chapter 13 has gained widespread acceptance across the country as an attractive alternative to Chapter 7 bankruptcy. For more information please refer to the Debtor Page.

Information for Creditors

A Creditor is a person or entity to whom money is owed by a debtor.

If you received a "Notice of Case, Meeting of Creditors, and Deadlines", you must file a proof of claim with the Court. The proof of claim represents the amount of debt you are owed and reflects whether the claim is secured by collateral or entitled to priority in payment pursuant to the Bankruptcy Code. The claim must be filed by the deadline set by the court. Filing a claim does not guarantee payment by the debtor’s estate but is generally a prerequisite to receiving a distribution from the estate. A copy of the proof of claim form is found under the Court’s website under the Forms Menu. You will find more information on Creditors by clicking on the Creditor Page.

Information for Attorneys

An attorney is someone duly licensed whose job is to give advice to people about the law and speak for them in court.

You will find links to valuable resources that pertains to chapter 13 bankruptcy on the Attorney Page.