Derry, PA asked in Bankruptcy, Foreclosure and Collections for Pennsylvania

Q: out of work, am I eligible to file for chapter 13? I was told No is that correct? Ive been sick but can work

Been out of work since 9/17, foreclosure has started. I called laurel legal services for free help but was told I'm not eligible since I'm out of work. Can't they work out terms while you find work or get disability? I am so afraid I don't know what to do and I have no money at the moment to pay an attorney to help me. What does one do? I've always worked but became unable to due to nervous breakdown, it's been hard recovering with issues like this looming overhead. If they gave me a forebearance or something? I am behind 9 months...I don't want to just walk away from my property. I owe 105 plus a 30 heloc my home is worth approx 165

2 Lawyer Answers
Stuart Nachbar
Stuart Nachbar
PREMIUM
Answered
  • Bankruptcy Lawyer
  • Livingston, NJ

A: To qualify for a chapter 13, pursuant to the statute, you must have regular income. It is a requirement of a chapter 13 that you have a regular steady income.

Timothy Denison
Timothy Denison
Answered
  • Bankruptcy Lawyer
  • Louisville, KY

A: You may qualify for a chapter 13 if you can work and have regular income. If you file chapter 13, you can put all your arrearages on the house into a 24 month repayment plan. But, you must find employment to make a 13 work.

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