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What is the Average Payment for a Chapter 13 Bankruptcy?

Are you considering filing for Chapter 13 bankruptcy in San Diego? If so, you might be wondering how much your monthly payment will be and if you can afford it. It is possible to discuss an average monthly payment amount in a Chapter 13 bankruptcy, but it is essential to keep in mind that each case is unique. 

The Monthly Payment Amount Depends on Your Unique Situation

In some cases, the average payment for a Chapter 13 case ranges from $500 to $600 per month. If you have several different low payment amounts and not a significant amount of income, you will be paying a lower amount per month. Paying $500 to $600 a month typically happens when a debtor has at least one automobile and other types of average word payment requirements, such as credit card bills.

These cases frequently include others who are barred from filing a Chapter 7 bankruptcy. The required eight years have not yet passed from their previous Chapter 7 bankruptcy, so they are forced to file a Chapter 13 bankruptcy. However, this may not be the case for your particular situation. If you earn a higher income and have more significant debts, you could expect to pay between $1,000 and $2,000 or more.

Paying House Payments and Arrears Increases the Monthly Payment Amount

If you are behind on your mortgage payments, your Chapter 13 bankruptcy plan will include higher monthly payments. Typically, if you owe money for your mortgage, your monthly payments could be closer to $1,500 per month or even higher. The typical, ongoing mortgage payment along with the arrears you owe need to be fully paid throughout your Chapter 13 bankruptcy plan. The bankruptcy trustee overseeing your case will typically charge a conduit for you to pay ongoing mortgage payments through the Chapter 13 plan. As a result, the average payment plan is much higher.

Higher Income Increases the Monthly Payment Amount

Likewise, if you have a higher income, the monthly payments you will need to make will increase considerably over the average. Debtors with high income and high debt frequently paste payments averaging in the two to $3,000 range or even higher. On average, a Chapter 13 Bankruptcy will force these filers to repay a high percentage of the debt. They could raise the debt up to 60%, 80%, or even 100% of the range of repayment. 

A higher monthly payment may seem overwhelming, but better still receive the benefits of filing for a Chapter 13 Bankruptcy. For example, they will be able to take advantage of dramatically reduced or 0% interest rates. They will also benefit from the rigid protections that a Chapter 13 Bankruptcy provides, such as a stop to creditor harassment.

Discuss Your Case With a San Diego Bankruptcy Lawyer Today

Are you considering filing for Chapter 13 bankruptcy, but you are concerned about how high your monthly payment will be? If so, one of the best things you can do is discuss your case with an experienced bankruptcy lawyer. Contact Bankruptcy Law Center today to schedule your free initial consultation with one of our experienced bankruptcy lawyers. 

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Roger C.

I reached out to BLC to help assist with a chapter 7 business bankruptcy and they provided excellent guidance, advice, and support through the entire process. In my case an adversarial action was filed by one of the creditors and attorney Ahren Tiller and his staff provided sound ...arguments which prevailed. Couldn’t have found a more experienced and supportive team to represent me in a tricky situation. I would highly recommend them to anyone making the difficult but sometime necessary decision to find financial relief. Read more
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Justin R.

Like many others before and during the pandemic, life happenings caused me to be in a financial situation to warrant bankruptcy. The BLC was super professional all the way through the entire process. Right after I paid for my Bankruptcy, I got sick and had to have surgery and recovery. Then we ...were in full Pandemic mode. They were gracious to delay my filing until I was recovered and ready to file. I could not ask for more. The process was over all quick and painless for a simple Bankruptcy like mine. I feel a weight has been lifted and I can rebuild. Thank you for all your arduous work and patience, Gabriel, Ahren, and their teams are knowledgeable and efficient. Read more
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Katey Huntley

Responsive, friendly, kind, extremely easy to work with! So knowledgeable and made this entire process painless. Very grateful!

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Lynn Molina

Gabriel Hanna, Esq and the staff at BLC helped me in a very difficult time. I appreciate all the help and care they gave my case.

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Linda Cramer

I can’t say enough of how much this bankruptcy law firm helped me with my financial situation. They were all so helpful, efficient and made the difficult time and process as quick and easy as possible. I would recommend them to anyone I know and am glad to give my public recommendation as well. T...hey truly deserve a five star plus rating. Read more
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Andrea N.

I am very happy with my experience with BLC. Bankruptcy is not something anyone wants to go through, however everyone at BLC made my experience pleasant and easy. The process was explained thoroughly and I had an easy time reaching out and connecting with my attorney. Anika Renaud-Kim was my attorney ...and she was nothing short of amazing! She was very patient and generous with her time. Ms. Renaud-Kim definitely made me feel at ease and comfortable through the entire process. Read more
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Lidia Paramore

they did a great job for me, helped me anytime I needed something, my Lawyer Gabriel Hanna is the best, gave lots of confidence all the time..thanks BLC I will.always recommend you, I’m very grateful for your service!!!

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Rachael C.

When searching for information I had called a few different firms and received consults. BLC was the only one who didn’t shy away and provided answers and information during the consult. Once I agreed to move forward, they were supportive, informative, and eased my anxiety through the whole process.... I can’t recommend them enough. Read more
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Emily Martinez

AmazingI had many questions and uncertainties and the carefully explained it all and made it easy to understand. They facilitated a fast and easy process making this scary difficult thing simple

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