Do I have to pay all of my creditors back in full if I file a Chapter 13?

No. In most cases, your payment to the Trustee each month will pay for your secured debt on the property you want to keep (like your car or your furniture), the back taxes or child support you may owe, your attorney fee, and your trustee fee. Your unsecured debts (like credit cards, medical bills or debts on the property you do not want to keep) are dischargeable and payment of the debts is not required. These are complex issues that require analysis for each individual. Call our office for a free first visit where we can tell you how your case would be handled.