Chapter 13 Bankruptcy Debt Limits

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At Sadek Bankruptcy Law Offices, we realize that every situation is different. Our debt relief lawyers will take the time to learn about your situation and your goals. Our objective is to explain your legal options and offer the best debt relief strategy for you in the most compassionate and friendly manner possible. Call 24/7 to schedule your meeting with a lawyer.


Our office understands the financial stress our clients endure. Therefore, in addition to reasonable legal fees, we offer a payment plan to all of our valued clients to make quality legal services most affordable.


In addition to our primary law office in Center City, Philadelphia, we also have law offices throughout the Greater Philadelphia, Pennsylvania Area and in New Jersey. Our branch offices have contributed to making us the #1 Bankruptcy Filer and debt relief firm in the Greater Philadelphia area. Our goal is to have a convenient location within 20 minutes of where our clients work or reside.

Chapter 13 Bankruptcy Debt Limits

The amount of debt owed by a Chapter 13 Debtor in Bankruptcy is limited by 11 USC Section 109(e).  Individuals with debt in excess of the limits do not qualify for a Chapter 13 Bankruptcy, also referred to as a reorganization of debts.  Adjustments to Section 109(e) are made every three years and are adjusted for inflation in accordance with Section 104(a).  The debt limit last increased from on April 1, 2010 from $336,900 to $360,475 for unsecured debt and from $1,010,650 to $1,081,400 for secured debt.  The higher the debt limits, more individuals will qulaify for a Chapter 13 bankruptcy where they can more easily strip a wholly unsecured junior lien on depreciated real estate.  Individuals carrying debt in excess of the Chapter 13 debt limits will still be eligible to file a Chapter 11 bankruptcy, which is typically reserved for incorporated entities.

If there are any general questions or topics you would like to read about relating to bankruptcy law in the Eastern Pennsylvania region, you may contact the Bankruptcy Lawyers at Sadek Law Offices, LLC at 215-545-0008 or 610-432-3111 or email Thank you.

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