Arkansas Chapter 13 Bankruptcy Attorneys

Helping Clients Navigate the Bankruptcy Process Since 1994

If you have been struggling with debt, creditor harassment, and the stress of financial hardship, Watton Law Group is here to help you get through this difficult time.

The U.S. Bankruptcy Code created Chapter 7 to give Americans an opportunity to regain control of their finances without upending their lives. At Watton Law Group, our compassionate attorneys have helped thousands of people in Arkansas and beyond achieve financial stability through tailored bankruptcy solutions.

For more than 25 years, we have earned national recognition for our work guiding clients toward financial freedom. We treat every case with care, taking the time to fully understand each client’s financial situation. This approach allows us to develop practical, personalized strategies that support your current and future needs. When you work with us, you can feel confident that the team has your best interests at heart.

Call Watton Law Group today at (414) 409-5422 or contact us online to schedule a meeting with our Chapter 13 bankruptcy attorney in Arkansas!

What Is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is one of the most common forms of bankruptcy available to individuals. It allows you to shed some debts and reorganize others under the supervision of a federal court. In many cases, you can pay off a portion of your debt and retain your home, car, and other essential property and assets.

When you file for Chapter 13, you agree to a repayment plan, approved by a judge, that spans three to five years. During this period, your creditors and debt collectors must stop contacting you or attempting to collect. You can protect your property from foreclosure or repossession by staying current with your payment plan.

Chapter 13 provides peace of mind and a much-needed fresh start for individuals and families in Arkansas.

When you pursue Chapter 13 bankruptcy in Arkansas, you work through either the United States Bankruptcy Court for the Eastern or Western District, depending on your county. Each district follows its own local guidance and trustee policies. Arkansas state law offers exemptions that may help you retain your primary residence, a vehicle, retirement savings, and personal property throughout the repayment period. The process starts when you submit a petition to the bankruptcy court and propose a payment plan according to your income, expenses, and secured debt. The court holds a confirmation hearing, and a trustee manages payments and creditor communication during your plan. Meeting Arkansas’s income standards and carefully following all filing rules can make the court process smoother. If you have questions about state exemptions or local procedures, our team helps you understand each critical step so you feel prepared.

Arkansas Chapter 13 Bankruptcy Eligibility & Exemptions

Before you file for Chapter 13 bankruptcy, you must meet eligibility requirements under both federal bankruptcy laws and Arkansas state guidelines. You must have regular income to support a repayment plan, and your debts—both secured and unsecured—must fall within current federal limits. In Arkansas, you may take advantage of exemptions that help protect your home, a single vehicle, retirement accounts, and necessary household goods. The homestead exemption in Arkansas is especially important for homeowners who want to keep their primary residence.

We guide you through Arkansas exemptions that may match your situation, clarifying what types of property you can likely keep. Every client's circumstances differ—factors like family size, property value, marital status, and income shape which exemptions may apply. We consider all relevant details to ensure your Chapter 13 plan fits your life and priorities, so you stay informed and in control during the process.