This is reorganization of debts. A person filing a Chapter 13 case proposes a plan of repayment, or reorganization. A Chapter 13 Plan permits a petitioner to repay some debts, typically because the debts might not be discharged in a Chapter 7 case, or there is a benefit to repaying the debts. A Chapter 13 Plan also permits a Petitioner to remove a junior lien on real property by a process commonly known as lien stripping. To determine if you can strip a junior lien on your property, you should consult with an attorney.

If you have fallen behind on your bills and are being harassed by creditors contact a bankruptcy lawyer in Sacramento Tom Conlon at (916) 971-8880 to see if you qualify to file bankruptcy and get a new fresh start.