Chapter 13 Overview

Belleville 618.236.7000
Granite City 618.656.7941
Mt. Vernon 888.400.6763

through the bankruptcy. The notice will list the date, time and place of the Meeting of Creditors, which usually takes place about a month after the bankruptcy petition is filed.

The client(s) must go to the Meeting of Creditors, at which the Trustee will review their petition and ask any questions necessary to be sure he or she understands the client’s financial situation clearly. A bankruptcy lawyer from TBC also attends this Meeting to assist the client as needed. Creditors may also go to this meeting to ask questions of the client, but very few of them generally attend.

If the client is employed, a wage order is issued by the Court, telling the employer to withhold the amount of the plan payment from the client’s wages each month, and send the payment to the Trustee. The Trustee will then send the money from this payment out to the creditors, as outlined in the Chapter 13 plan. Sometimes this plan needs to be modified, if the client’s financial situation changes or if claims made by creditors amount to more than was anticipated. This plan must be approved by the Trustee and the Court.

The client must complete a brief Financial Management course online or by telephone. After the last plan payment has been made to the Trustee, the Court will issue an order discharging all remaining unsecured debts included in the bankruptcy.

Don't wait until it may be too late to seek protection under the bankruptcy law. Schedule a FREE Consultation with one of our bankruptcy attorneys and learn how the bankruptcy law applies to your specific situation. Call TBC today at 618-236-7000 (Belleville, IL), 618-656-7941 (Edwardsville, IL), or 888-400-6763 (Mt. Vernon, IL).

Memberships & Associations


Belleville Location

The Bankruptcy Center
5312 West Main Street
Belleville, IL 62226
Tel: 618.236.7000

Granite City Location

The Bankruptcy Center
2021 Johnson Road, Suite 1
Granite City, IL 62040
Tel: 618.656.7941

Mt. Vernon Location

The Bankruptcy Center (In the US Bank Building)
123 South 10th Street, Suite 202
Mt. Vernon, IL 62864
Tel: 618.236.7000


The Law Offices of William A. Mueller is a debt relief agency, helping people file for bankruptcy relief under the Bankruptcy Code.