I was paying my car loan through a chapter 13 for 2 years, and had to convert to a chapter 7. Can I file a chapter 13 again?

Contact Us

Yes, you can file a chapter 13 after a chapter 7.  This is jokingly called a chapter “20” 13+7… Maybe it isn’t the funniest joke, but it shows that this is such a common occurrence that attorneys and judges joke about it.  Under a chapter bankruptcy 13, you may be able to cram down the value of your vehicle to only pay what it is worth and not what is actually owed.

However, if you are in the situation named above as having a chapter 13 that converted to a chapter 7, and if you make too much money you may actually have to pay the interest owed on your vehicle under the original contract as if the chapter 13 was never originally filed.  Talk to a bankruptcy attorney to go over your case-specific questions and see if a “chapter 20 bankruptcy” is right for you.

Schedule an Appointment or Contact Us With a Message

We look forward to hearing from you. Please feel free to get in touch via the form. We will get back to you shortly.  Call us at (844) 533-3367 or to contact us directly by email please use: Contact@PSCBLaw.com

Speak with our team to get experienced advice

We have over 30 years of legal experience. 

We understand that nothing is more important than the emotional, financial and spiritual health of your family, through its many transitions. We are here to help you. The mission of PSCB Law offices is to provide our clients with the best legal advice possible.

Freehold, NJ - For Mail and Service

Jersey City, NJ

Hackensack, NJ

Brooklyn, NY

The Bronx, NY

Rochester, NY

Give Us A Call

(844) 533-3367

Send Us A Message

contact@PSCBLaw.com

Address For Service

1 Broad St #5
Freehold, NJ 07728

Best Law Office Near Me In NYC

Office located in Jersey City, NJ; Freehold, NJ; Hackensack, NJ; Brooklyn, NY; Bronx, NY; Rochester, NY along with 5 affiliate offices in India.

Hours

We have agents manning phones 24 hours a day for emergencies. 

The Law Offices of Patel, Soltis, Cardenas, & Bost provide probate, real estate, litigation, cannabis, entertainment, immigration, bankruptcy, foreclosure and loan modification representation to clients throughout the State of New Jersey and New York area with offices in Jersey City, Freehold, Hackensack, The Bronx, Brooklyn, and Rochester. This website is a Legal Advertisement. The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute an attorney client relationship. We are attorneys, but we are not your attorneys until a retainer has been signed.

ATTORNEY ADVERTISING. Past results do not guarantee future outcome. We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

This site is designed to be accessible to and usable by people with and without disabilities. Please contact us if you encounter an accessibility or usability issue on this site.

This Website is for informational purposes only, is not intended as legal advice, and does not substitute for consulting with a lawyer about specific facts and circumstances. This Website does not constitute a solicitation, and your use of this Website does not create any attorney-client relationship between you and the Law Offices of Patel, Soltis, Cardenas and Bost.


Copyright©2021 by Patel & Soltis, LLC. All rights reserved.

Call Now