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26 S 6th St, Indiana, PA 15701
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Chapter 13 Lawyers in Indiana County Know How to Handle Your Case

Why file for Chapter 13?

Filing a Chapter 13 bankruptcy allows you to make up overdue payments, pay off a portion of your debts, eliminate other debts and keep some of your valuable, non-exempt property. In order to qualify for Chapter 13, you must have a regular source of income to apply toward your payment plan. The skilled attorneys of Kayden & Vaporis help you add up your assets, calculate your debts and develop a three- to five-year repayment plan to present to the court.

Your Chapter 13 goals

When considering filing for this type of bankruptcy, you need to find an experienced Chapter 13 attorney. Indiana County hosts two of the state’s premier bankruptcy lawyers, Michael N. Vaporis and Katrina Kayden. They start by asking you what property you want to save or what debts you want to pay off by filing Chapter 13. For example, you can:

  • Prevent a house foreclosure
  • Make up missed car or mortgage payments
  • Pay back taxes
  • Stop interest from accruing on a tax debt
  • Keep valuable non-exempt property

Michael and Katrina work with you to calculate your debt against your income and develop your payment plan. If you can stick to the terms of the plan, whatever debt remains at the end of that time is eliminated.

What you need to file

To actually file for bankruptcy, your Indiana County Chapter 13 lawyers draft and submit to the court a petition, your payment plan and several other forms collectively called schedules. The schedules ask you to describe your current financial status and recent financial transactions you’ve entered into within the last two years. Be honest when filling out these forms with our staff or you could jeopardize your petition.

The next steps in a Chapter 13 filing


Once your petition and schedules are filed, an automatic stay goes into effect, which halts any court action or foreclosure that is pending against you. Creditors may not contact you directly, but have to go through your attorneys.

A meeting of creditors is scheduled which we will attend with you. You will be asked about a dozen simple questions and a plan will be established. The plan will then be reviewed by the attorney for the Chapter 13 Trustee. One month after you file, you will begin your planned payments.

A typical Chapter 13 Plan goes for five years. At its conclusion you emerge caught up on your loans for property you want to keep (house, car, etc.), with some or all of your old debts wiped clean-discharged.

Our attorneys are experienced in handling Chapter 13 cases and will guide you through every step of your bankruptcy.

Team up with our confident bankruptcy lawyers in Indiana County

Schedule a consultation with bankruptcy attorneys in Indiana County who know how to create a successful Chapter 13 petition. Call Kayden & Vaporis at 724-465-5653 or contact us online. Your first half hour consultation is free. We also handle cases in Armstrong, Cambria, Clearfield, Clarion, Jefferson and Westmoreland Counties.