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Chapter 7 vs. Chapter 13 Bankruptcy

Work with Our Trusted Charlotte Attorneys

The differences between Chapter 13 and Chapter 7 begin with what is called a means test. This test and its many calculations can be complicated and often require the aid of an experienced bankruptcy attorney to determine a person's eligibility to file, especially if net mortgage income calculations are involved. Our Charlotte bankruptcy lawyers at Saffa Law Firm have the right tools to help figure it all out for you.

Chapter 7 also differs from Chapter 13 in that the debtor will not need to make monthly payments to a trustee. Chapter 13 bankruptcy is essentially the reconfiguration of one's debts to facilitate paying off creditors over a period of 3-5 years. A positive result of Chapter 7 bankruptcy is that, usually within 3-4 months, the debtor will be able to receive a discharge on any and all dis-chargeable debts. Another advantage is to be granted the choice to sign a reaffirmation agreement allowing a debtor to continue paying a mortgage on their home or car loan, for example.

Many of our clients have opted for Chapter 13 bankruptcy in order to have the chance to pay down their debt on better terms. This can include the added benefit of having little to no interest with their payments. The option for Chapter 13 is typically suggested only to debtors who make a steady income. Filing for Chapter 13 requires submission of a repayment plan proposal. Having the help of a professional Charlotte bankruptcy lawyer in drawing up your plan for repayment can help achieve the best outcome.

Call Saffa Law Firm at (704) 710-8182 today!

Why hire Saffa Law Firm?

When filing Chapter 7 or Chapter 13 bankruptcy, our lawyers handle 3 main types of debts / claims:

  • Priority
  • Secured debts
  • Unsecured debts

Priority claims (such as most IRS taxes and the costs of bankruptcy proceedings) are those granted a special status by the bankruptcy law. Secured claims (such as home mortgages, car loans, and furniture loans) are those for which the creditor has the right to take back certain property, if the debtor does not pay the underlying debt. Unsecured claims (such as credit cards and medical bills) are those which the creditor has no special rights to collect against particular property owned by the debtor such as credit card bills.

The discharge of all eligible debt concludes the process of bankruptcy. In regards to a Chapter 7 case; this may occur within 4 months of filing. However, in Chapter 13 cases, this discharge of debt will occur within 3 to 5 years of filing, when the payments are complete. Both types of bankruptcy have their pros and cons; the good news is that a skilled Charlotte bankruptcy attorney from our firm is available to help you sort it all out and assist you in making the right decision for yourself.

Contact us today and schedule your free case review with our firm!

We serve clients throughout the City of Charlotte, Town of Cornelius, Town of Davidson, Town of Huntersville, Town of Matthews, Town of Mint Hill, Town of Pineville, Town of Stallings, Buford, Charlotte, Goose Creek, Hembry Bridge, Indian Trail, JAARS, Jackson, Lake Park, Lanes Creek, Marshville, Marvin, Matthews, Mineral Springs, Mint Hill, Monroe, New Salem, Sandy Ridge, Stallings, Unionville, Vance, Waxhaw, Weddington, Wesley Chapel, Wingate, Concord, Harrisburg, Kannapolis, Midland, and Mt. Pleasant.

Turn to Saffa Law Firm for Advice

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  1. Our office is open 7 days per week
  2. Clients have 24 hours/day access to their attorney
  3. Personalized results-driven strategies tailored to fit your needs
  4. Compassionate advocacy that is aggressive when necessary
  5. Over 25 years of legal experience
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Helping Clients Across Charlotte

See How Saffa Law Firm Has Guided Clients Through Their Legal Matters
  • “With Diana's knowledge and friendly attitude, she eased my fears and unrest.”
  • “"Diana Saffa is truly a life saver!"”


  • “My husband and I didn't know where to turn”

    Porcha Petteway

  • “She was incredibly well organized and I felt very secure in knowing I was in good hands.”


  • “They helped me keep my residence, automobile, and work with my creditors as I worked to pay them.”

    Arnold S.

  • “A+ recommendation.”


  • “The kindness and attention I received from Diana is unmatched from any other legal experience I have ever had.”


  • “Diana is so down to earth and does an excellent job. My bankruptcy was smooth and easy.”


  • “Diana Saffa is an incredibly intelligent, clever, and hard-working attorney. She won't take "no" for an answer and she gets results.”


  • “I can't explain how satisfied I am with the service I was provided! Diana is such an intelligent force!”


  • “I highly recommend this firm for all your legal issues.”

    Olivier M.

  • “They are responsible, professional and most important, they get the job done right.”

    Francine K.

  • “I was never once left second-guessing my decision to have them represent me.”


  • “...they are very knowledgeable and professional.”

    C. Sandifer

  • “If I could leave a higher rating than a 5 star I would.”

    Diane K