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Chapter 13 Plan Analysis Delaware Form

Chapter 13 Plan Analysis Delaware Form

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in this video we are going to talk about understanding disposable income in a chapter 13 bankruptcy [Music] okay what does that mean well in a chapter 13 bankruptcy there are certain creditors that have to get paid back that need to get paid back and then there are certain creditors that will only get paid back if your disposable income allows them to so let's talk about the creditors that need to get paid back secured creditors mortgages automobiles priority creditors irs franchise tax board state debt and other priority type of debt now let's talk about the debt that does not need to get paid back credit card debt which is typically called general unsecured debt so let's say that you file a bankruptcy and you have thirty thousand dollars in priority or secured debt thirty thousand but you have a hundred thousand dollars in credit card debt it's very possible that you only have to pay back the thirty thousand dollars of secured or priority debt and you

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