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Lo Básico del Capítulo 13 de Bancarrota

El capítulo 13 de bancarrota es un plan de reorganización para los individuos o los dueños de pequeñas empresas (no corporaciones o asociaciones) que quieren pagar a los acreedores pero tienen complicaciones financieras. Para los que son dueños de sus propias casas es una gran oportunidad de quedarse con su casa y pagar los retrasos de préstamos hipotecarios o préstamos de vehículos, lo cual típicamente tarda de 36 a 60 meses lo cual depende en que si sus ingresos son superiores o inferiores del término medio del estado en que resides. Normalmente se tiene que pagar algo a los acreedores no garantizados, aunque existen algunos planes de 0% en los que uno tiene que pagar a los acreedores garantizados pero no tiene que pagar nada a los acreedores no garantizados. Se determinan los pagos basado en la cantidad de dinero disponible que uno tenga ahorrado al fin de mes. Uno tiene que tener algo de dinero disponible para pagar a los acreedores, o si no, pues no llenan los requisitos para el capítulo 13. Usted puede quedarse con todas sus pertenencias, incluso las que no tienen exenciones, mientras los acreedores no pueden salir peor que si usted hubiera elegido el capítulo 7.

Si usted tiene 6 meses de retrasos en el pago de préstamos hipotecarios y quiere quedarse con su casa, quizá el capítulo 13 sea la mejor opción si está en peligro de la ejecución hipotecaria. Usted puede quedarse con su casa con el capítulo 7 siempre y cuando estés al día con la paga del préstamo. Con el capítulo 13 los retrasos se ponen en un plan de amortización y se puede pagarlos en un plazo de 3 a 5 años.

Para llenar los requisitos del capítulo 13 un individual necesita tener un flujo de ingresos y tener las deudas menos que 336.900 dólares en deudas no garantizadas tal como préstamos estudiantiles, tarjetas de crédito, deudas médicas, y menos que 1.010.560 dólares de deudas garantizadas.


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