Chapter 13 is a repayment bankruptcy. It is often useful when a debtor has enough income to meet basic needs and a little more, but has fallen behind on mortgage payments, vehicle payments, taxes, or other obligations that need time and structure.

Patrick M. Hunter helps Wyoming debtors evaluate whether Chapter 13 can protect property, stop collection pressure, catch up secured debt, and create a workable plan. The plan governs how payments are made by the debtor and how funds are distributed to creditors.

Chapter 13 Services for Wyoming Debtors

Chapter 13 can be a powerful tool when Chapter 7 is unavailable or would create property risk. Patrick assists clients with matters involving:

• Mortgage Arrears: Evaluating whether a plan can bring delinquent mortgage payments current while regular payments continue.
• Vehicle Loans: Reviewing delinquent loans, cramdown issues, surrender options, and repayment through a plan.
• Tax Debt: Addressing priority tax obligations and repayment without additional collection pressure during the case.
• Property Protection: Keeping property that could be at risk in Chapter 7 by paying required value through the plan.
• Means-Test Issues: Using Chapter 13 when income prevents a Chapter 7 discharge or when repayment is legally required.
• Plan Feasibility: Building a plan that reflects projected disposable income, secured debt, priority debt, and the client’s budget.

Chapter 13 is not just paperwork; it is a financial plan supervised by the Bankruptcy Court.

The Chapter 13 Process

Chapter 13 plans usually last three to five years. Debtors generally keep their property while making payments to the Chapter 13 trustee, who then pays creditors according to the confirmed plan.

• Pre-Filing Review: Income, debt limits, secured claims, arrears, taxes, property values, and prior bankruptcy filings are reviewed before filing.
• Credit Counseling: Individual debtors must complete approved credit counseling before the case is filed.
• Plan Proposal: The debtor proposes a plan that must satisfy Bankruptcy Code requirements.
• Trustee Review: The Chapter 13 trustee reviews the plan, documentation, and payment structure.
• Confirmation: The Bankruptcy Court determines whether the plan can be approved.
• Completion and Discharge: After required payments and financial-management education, eligible debts may be discharged or paid according to the plan.

Why Choose Patrick M. Hunter for Chapter 13

Experienced bankruptcy counsel matters in Chapter 13 because small details can determine whether a plan is feasible, confirmable, and useful. Patrick’s 40+ years of bankruptcy experience help clients understand plan length, payment risk, secured debt treatment, and alternatives.

• Creative Plan Analysis: Chapter 13 plans must fit both the law and the client’s budget.
• Property-Focused Strategy: Patrick helps clients understand what they can keep and what must be paid to keep it.
• Client Decision-Making: Clients receive options, risks, and likely consequences in plain language.
• Virtual Wyoming Practice: The firm provides bankruptcy counsel throughout Wyoming through a fully virtual practice.

Schedule a Consultation

If you need to catch up on mortgage payments, protect a vehicle, manage tax debt, or consider a repayment bankruptcy, call 307-235-1900 or message the firm online.

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"Clients have the right and responsibility to make decisions which affect their lives. Our job is to explain the options, costs, risks, and benefits."