Chapter 13 Bankruptcy Lawyers

Serving Huntsville, Decatur & the Birmingham Metroplex

Chapter 13 bankruptcy offers individuals the chance to reorganize debt into a manageable repayment plan—without losing valuable assets. At Mitchell & Larsen, we help clients build personalized repayment strategies that meet legal requirements and align with long-term financial goals.

If you have steady income but need help catching up, Chapter 13 may be the right solution.

Play Video

What Is Chapter 13 Bankruptcy?

Unlike Chapter 7, which focuses on eliminating debt, Chapter 13 allows you to restructure it. You’ll make monthly payments over a period of 3 to 5 years, based on your income, assets, and debt obligations.

Benefits of Chapter 13 include:

  • Stopping foreclosure and catching up on missed mortgage payments
  • Protecting your home and vehicle from repossession
  • Combining debts into one manageable payment
  • Paying off some or all unsecured debts under court supervision

At the end of the plan, remaining eligible unsecured debts may be discharged.

Is Chapter 13 Right for You?

Chapter 13 may be a good-fit if:

  • You’re behind on mortgage, car, or tax payments
  • You have regular income but can’t pay debts in full
  • You want to avoid foreclosure or repossession
  • You don’t qualify for Chapter 7 based on income or prior filings

Mitchell & Larsen will assess your situation and help you understand the legal and financial implications of entering a Chapter 13 plan.

A hand filling out a bankruptcy petition form.
Close-up of classical courthouse columns and inscription.

The Chapter 13 Process

We guide clients through every phase of the Chapter 13 process:

  • Initial Consultation

    We review your financial documents and goals.

  • Plan Development

    A repayment plan is created based on your budget and debt structure.

  • Filing the Petition

    We file your bankruptcy paperwork and propose your plan to the court.

  • Confirmation Hearing

    The bankruptcy judge reviews and approves your plan.

  • Plan Execution

    You make monthly payments to the Chapter 13 trustee for 3 to 5 years.

  • Discharge

    Remaining eligible debts are discharged upon successful completion.

Throughout the process, we ensure your rights are protected and your case is handled properly.

Why Choose Mitchell & Larsen

  • Personalized Plan Support

    We work closely with you to create a plan that’s realistic and sustainable.

  • Legal Accuracy

    Our attorneys ensure full compliance with court requirements.

  • Ongoing Guidance

    We remain available to assist with plan changes or court motions.

  • Client-Focused Advocacy

    Your success is our goal—from filing to final discharge.

Useful Links

For more information and court resources related to Chapter 13 bankruptcy in North Alabama, visit:
 👉 United States Bankruptcy Court - Northern Division - Huntsville
👉 United States Bankruptcy Court - Southern Division - Birmingham
👉 Michele T. Hatcher Chapter 13 Trustee

Frequently Asked Questions

What can bankruptcy do for me?

-Eliminate Debt
-Stop Garnishment of your Bank Account or Job
-Stop Foreclosure on your Home or Other Property
-Stop Lawsuits
-Halt Repossession of your Car
-Stop Harassing creditor Calls

Why should I file bankruptcy?
Why should I see an attorney sooner rather than later?
What if someone already has a judgment against you?
What if I'm behind on my house?
What if i'm behind on my car?
What if I owe unpaid child support?
I am working with a debt consolidation company. Why would I file for bankruptcy?
Why should you choose our law firm?