Chapter 13 Payments in San Antonio

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

How Your Payment Is Calculated

  1. Disposable income test: All projected disposable income goes to the plan. Above-median ($60,840+) use means test deductions.
  2. Best-interests test: Unsecured creditors get at least what they would in Chapter 7. Texas generous exemptions often mean very little.
  3. Feasibility: You must actually be able to make the payment.

62.6% Dismissal Rate

The W.D. Tex. has a 62.6% Chapter 13 dismissal rate. To succeed:

  • Set affordable payments -- not the maximum
  • Build emergency cushion into your budget
  • Request modification immediately if income drops
  • Consider converting to Chapter 7 if plan is unsustainable

Frequently Asked Questions

How much will my payment be?

Depends on disposable income, secured debts, and what unsecured creditors would get in Chapter 7. Typically $200-$2,000/month.

What if I miss a payment?

Trustee may move to dismiss. Contact your attorney immediately for modification or conversion.

Can I modify my plan?

Yes. File a motion if income changes. Court can reduce payments or extend to 5 years max.

Are payments by payroll deduction?

Many W.D. Tex. plans use wage orders for consistency and reduced default risk.

Free Discharge ScreenerChapter 7 vs 13

Open Bankruptcy Project Network

OBP Home1328(f) ScreenerCh. 7 vs 13Automatic Stay341 MeetingMeans TestCost GuideDismissed?File Again?How to File