Chapter 13 — Court-Ordered Pause and Long-Term Protection

When you file Chapter 13, the federal automatic stay snaps into place and, in most situations, the eviction court and the landlord cannot move forward—no hearings, no writs, no lockouts—unless they first get permission from the bankruptcy court. That court-ordered pause replaces crisis with a 3–5 year, judge-supervised plan so you can steadily catch up while staying housed. We guide you with short, clear self-help videos and checklists so you always know the next step, and we keep all confirmations in your secure portal. It’s the strongest long-run shield available—note that limited exceptions can apply (for example, certain post-judgment or misconduct findings), and a landlord can ask the bankruptcy judge to lift the stay—but our focus is maximizing the protection the law provides for as long as possible.