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Chapter 13 bankruptcy saves dream makeover home

For some Pennsylvania residents, it could be a dream come true; many dream of a larger, updated house. Hopefully, the remodeled house will have new cabinets, new flooring and perhaps even expanded rooms. But, it is important to remember that with this dream home, there is often a dream price in terms of monthly expenses. For some, this dream quickly turns into a nightmare and the possibility of losing the home becomes reality. Chapter 13 bankruptcy may be what changes the nightmare back into a dream again.

One popular television show features families whose homes have undergone a professional makeover. Many times, after the makeover, the wonderful new home also comes with new expenses. Due to the increased size, utility bills often go up, and as a result of the increase in value, property taxes often go up. These increased costs can be a burden on the family's budget.

After experiencing this dream makeover, one family then experienced life changing events. The husband retired from the military and then filed for disability. At the same time, he was looking for a new job; however, this entire process took almost a year. During that time period, the family borrowed money to be able to meet monthly expenses.

This cycle of borrowing to pay bills finally caught up with them, and the family realized that something had to be done. While they were only a couple of months behind on mortgage payments, they wanted to be certain that their house would be protected. In this case, filing for Chapter 13 bankruptcy was the answer to their dilemma. Pennsylvania families who find themselves in a similar vicious cycle will want to discuss possible solutions with experienced legal counsel.

Source:, "Lowcountry 'Extreme Makeover: Home Edition' family sees blessing in bankruptcy", Wade Livingston, Jan. 11, 2017

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