Chapter 13 Eligibility in San Antonio

This page provides general educational information, not legal advice. Consult a qualified attorney for advice about your specific situation.

Core Requirements

Regular income -- W-2, self-employment, Social Security, pension, disability all count
Debts under $2,750,000 (combined)
Individual filer -- businesses use Chapter 7 or 11
Credit counseling completed within 180 days
Tax filings current for last 4 years

Plan can be 3 years. May extend to 5 if needed.

Plan must be 5 years. All disposable income goes to payments.

The W.D. Tex. Chapter 13 dismissal rate is 62.6%. Choose realistic payments and an experienced attorney. If the plan fails, convert to Chapter 7.

What are the debt limits?

$2,750,000 combined secured + unsecured.

Do I need a job?

Regular income, not necessarily a job. Social Security, disability, pension, and rental income count.

How long is the plan?

3 years if below Texas median ($60,840 for 1 person). 5 years if above.

What is the dismissal rate?

62.6% in the W.D. Tex. More than 6 in 10 Chapter 13 cases fail.