Understanding Chapter 13 Bankruptcy
Chapter 13 bankruptcy allows individuals and families to reorganize their debts under a court-approved repayment plan, typically lasting three to five years. Unlike Chapter 7, which discharges most unsecured debts but may require liquidation of assets, Chapter 13 focuses on keeping your property while repaying creditors over time.
This option is ideal for those with a steady income who want to protect significant assets such as a home or vehicle. Chapter 13 can also provide a structured plan to repay back taxes, secured debts, and other priority obligations — while stopping foreclosure, repossession, and collection actions.
Hooman Khoshnood
"Chapter 13 is one of the most powerful tools available to protect a family's home and build a real path out of debt — on their terms."
Hooman Khoshnood is a Texas-licensed bankruptcy attorney with over 25 years of courtroom and client experience representing individuals, families, and businesses across Texas in Chapter 7, Chapter 13, and Chapter 11 bankruptcy proceedings.
Hooman has helped hundreds of Texas families stop foreclosure, protect their vehicles, and reorganize overwhelming debt into manageable repayment plans. His Chapter 13 clients benefit from a hands-on approach — he handles all paperwork, attends every hearing, and works directly with trustees to craft plans that fit each client's budget and goals.
Beyond bankruptcy, Hooman's practice spans debt lawsuit defense, debt settlement negotiations, and civil litigation — giving clients a comprehensive legal shield across multiple fronts. He is known for explaining every step in plain language so clients feel confident, not confused.
Hooman serves clients across Austin, Round Rock, San Antonio, Houston, Tyler, League City, Waco, Willowbrook, McAllen, Brownsville, and Plano — with consultations available in person or over Zoom.
Schedule a Free ConsultationChapter 13 Bankruptcy Benefits
Filing for Chapter 13 offers individuals and families a clear path to regain control of their finances while protecting what matters most.
Stop Foreclosure
Protect your home and catch up on missed mortgage payments through your repayment plan.
Keep Your Vehicle
Stop repossession and restructure car loan payments to keep your vehicle.
Automatic Stay
Immediately halts creditor harassment, lawsuits, and wage garnishments upon filing.
Structured Repayment
Repay back taxes, secured debts, and priority obligations through one court-approved plan.
Discharge Remaining Debts
After completing your plan, certain unsecured debts may be discharged entirely.
Rebuild Your Credit
Successfully completing a Chapter 13 plan demonstrates financial responsibility to lenders.
Chapter 13 Bankruptcy Filing Fees
Understanding the cost of filing for Chapter 13 is an important step when considering debt relief. We make all costs clear from the start — no surprises.
Attorney fees are often included in your repayment plan. We provide a clear explanation of all fees before you file.
Our Chapter 13 Bankruptcy Process
Chapter 13 typically lasts 3 to 5 years. Here's what you can expect at every stage:
Case Preparation
We prepare your case together — over Zoom or in person. You don't fill out any forms. We handle everything and only need your signature once the paperwork is ready.
Filing Your Petition
Filing starts your Chapter 13 case and immediately triggers the automatic stay, stopping foreclosure, repossession, and all creditor collection actions.
Attending the 341 Meeting
About 30 days after filing, you meet with the bankruptcy trustee to review your case. Your attorney attends with you and ensures you are fully prepared.
Repayment Plan (3–5 Years)
You make monthly payments to the trustee who distributes funds to creditors according to your court-approved plan. We monitor your case throughout.
Debt Discharge
After completing your plan, remaining eligible unsecured debts are discharged and you move forward with a clean financial slate.
Our Clients Talk
Real stories from real clients
"Mr. Khoshnood did an amazing job helping me with my bankruptcy case. He explained things thoroughly and kept me up to date throughout the process."
"Mr. Hooman and his team were amazing. They took care of everything they said they would. The process was smooth, I highly recommend them."
"Excellent client service. They work with you through your entire legal process, ensuring you understand every document and legal term."
"This lawyer helped me prepare for my case and answered every question I had. Him or the assistant always answered the phone. So thankful!!"
Stop Foreclosure and Repossession
How Chapter 13 Stops Foreclosure
▾Protecting Your Vehicle
▾Stopping Wage Garnishments
▾Back Taxes and Priority Debts
▾Chapter 13 Bankruptcy and Your Credit Score
A Chapter 13 bankruptcy remains on your credit report for up to 7 years — less than Chapter 7's 10 years. While you may experience an initial dip in your score, many clients see meaningful improvement well before their case is even complete.
By successfully completing your Chapter 13 plan, you demonstrate sustained financial responsibility to lenders — something that can accelerate credit recovery compared to simply continuing to struggle with unmanageable debt.
Maximizing Debt Relief with a Skilled Bankruptcy Lawyer
Chapter 13 is one of the most complex areas of bankruptcy law. A skilled attorney ensures your repayment plan is correctly structured, confirmed by the court, and successfully completed.
Proper Case Evaluation
We assess whether Chapter 13 or Chapter 7 is the right fit for your specific financial situation.
Plan Drafting & Confirmation
We draft your repayment plan and navigate the court confirmation process on your behalf.
Creditor Protection
We manage all creditor communications and enforce your automatic stay protections throughout.
Ongoing Case Management
We monitor your 3–5 year plan, handle modifications if needed, and guide you to discharge.
