File Chapter 13 With No Money Down

Last updated on April 14, 2025

To make it easier on our North Carolina clients, our lawyers offer a no money down Chapter 13 option. Normally when you file bankruptcy, you must pay $313.00 as filing fees to start the Chapter 13 plan in addition to fees for credit counseling courses and credit reports. In our office we offer the option to roll all of those fees into the Ch 13 plan payments to make it easier for you to get the process started. This means that you can get your bankruptcy filed fast and for no initial payment upfront. If you can afford to pay the $313.00 upfront, you can still proceed in that fashion. If you cannot, we give you the option to pay the filing fees in your Ch 13 plan. The majority of our clients elect to roll the Ch 13 filing fees into their plan payments. To qualify for the no money down filing in our office, you must meet the following criteria:

• You cannot have been dismissed from a previous Chapter 13 plan within the past year.
• You cannot have more than $1,000 in your checking account at the time of filing.
• There are no pending foreclosure sales within the next 60 days.
• You have a source of income that will allow a payroll deduction to take place for the Chapter 13 plan payment.

Bankruptcy laws make it possible to file the Chapter 13 plan for no money down for those people considered unable to pay their fees upfront. Contact our office in Durham today to learn more. Call 919-794-8660, text our office at 919-382-3065 or fill out our online contact form. Consultations are available in person, over the phone or through video conferencing.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.