Filing a Chapter 13 Petition

Each Chapter 13 case starts with the filing of a bankruptcy petition. The petition is filed by your attorney with the bankruptcy court. All of your creditors are notified about the bankruptcy petition by the bankruptcy court.

This notification should stop all phone calls and other collection efforts such as garnishments, executions and legal proceedings. Sometimes, papers are filed with the courts where lawsuits have been filed, however, this is not done by the bankruptcy court.

Only creditors listed in your petition are part of the bankruptcy proceedings. Should you fail to notify your attorney of some creditors, you will not get a discharge from these debts and there may be additional legal fees to add them in later.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.