P.O. Box 2536, Daphne, AL 36526

Terrie Seal Owens, LLC

Terrie S. Owens · Attorney at Law



Mobile & Eastern Shore

Chapter 13 Bankruptcy

Chapter 13 bankruptcy allows you to consolidate your debts into one affordable monthly payment provided you have wages or other income to fund a payment plan.

Bankruptcy Chapter 13


  • Allows you to reorganize and consolidate your debt into one affordable monthly payment. 
  • Provides you with an opportunity to pay creditors on terms that are more favorable to you over a 3 to 5-year period. 
  • Allows you to retain your home and pay past due mortgage payments through your Chapter 13 Plan. 
  • May allow a reduction of the interest rate and monthly payments on secured debts such as your automobile and furniture. 
  • Allows you to repay tax debts through your Chapter 13 Plan. 
  • Allows you to repay past due payments on alimony and child support through your Chapter 13 Plan. 
  • Does not allow you to receive a discharge for most unpaid student loans, child support, alimony or certain unpaid taxes.