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Can you go chapter 13 if you dont have a job?

Naples, FL |

I have credit card debts and fell behind on my mortgage payments. Is if possible to go ch 13 without a job or without collecting unemplyment?

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Attorney answers 1


Chapter 13 is a plan of reorganization where you will be required to make monthly payments to the Chapter 13 Trustee to pay back a portion of your debt. You must have regular reoccurring income in order to propose a feasible plan. It is possible that you have regular income without a job or unemployment but that is not typical. This is why Chapter 13's are often referred to as "Wage Earner Plans."

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