Chapter 13 - "Wage Earner Plan"

The information below is intended to answer common questions from pro se bankruptcy filers and is not legal advice. This information is subject to change without notice.

*Pro se bankruptcy filers are persons filing their own cases without attorneys.

IMPORTANT: If you are thinking of filing a bankruptcy petition without an attorney, you should read Filing for Bankruptcy Without an Attorney. This web page has been provided by the Administrative Office of the United States Courts' Judges Advisory Group and contains information to consider before filing a petition along with links to other helpful resources.
 

 Chapter 13 - "Wage Earner Plan "
A chapter 13 case provides you the opportunity to restructure your debts through a payment plan which normally lasts three years. With Court approval, a plan may last up to five years. The chapter 13 trustee receives all funds you pay through the plan and pays creditors from these funds.

Filing Requirements
An original of the following is required when filing a chapter 13:
  • Notice to Individual Consumer Debtor(s)*
  • Voluntary Petition*
  • Statement of Social Security Number(s)* not available to public
  • Exhibit D - Individual Debtor's Statement of Compliance With Credit Counseling and Certificate of Credit Counseling (or Certificate of Exigent Circumstance or Motion for Exemption) (Individuals Only)
  • Fees - a payment due at time of filing or an Application to Pay Filing Fee in Installments*
  • List of Creditors - Mailing Matrix*
  • Summary of Schedules and Statistical Summary of Certain Liabilities
  • Schedules A through J
  • Statement of Financial Affairs
  • Chapter 13 Plan (use only the form approved by the Court for use in the United States Bankruptcy Court for the Northern District of Alabama; available from the Clerk's Office upon request and on the Court's Form page)
  • Disclosure Statement of Bankruptcy Petition Preparer (Form B280), if applicable
  • Statement of Current Monthly Income and Disposable Monthly Income (Form B22C)
  • Copies of Payment Advices (earning statement, pay stubs, etc.) for last 60 days with only the last 4 digits of Social Security Number
*You must file the minimum requirements to initiate a bankruptcy case.

Note: Your chapter 13 plan payments must be mailed to the chapter 13 trustee's office in the division where the case was filed.

    IMPORTANT: Failure to comply with the filing requirements or missing deadlines may result in your case being dismissed and loss of bankruptcy protection. Please read Minimum Requirements to Initiate Bankruptcy Case: Notice of Deficient Filing.