Chapter 13 in Chandler is a debt consolidation and repayment plan. Usually your payment is not determined by the amount of debt you owe. Instead your plan repayment plan amount will be based on your disposable income–that is the income after you pay your normal household expenses. The repayment plan will normally last between 36 and 60 months. Chapter 13 is ideal if you need help in bringing your mortgage current, recover a repossessed auto, restructure interest rates on car loans, and in some cases reduce the principal balance of a car or mortgage. To find out how chapter 13 can help you, schedule a free consultation today!