If You Need to File Chapter 13 Bankruptcy There are many reasons to file a Chapter 13 bankruptcy instead of Chapter 7. You might want to file a Chapter 13 bankruptcy because you wish to catch up on mortgage arrears, get rid of your second mortgage, cram down (reduce) your car loans, or pay back nondischargeable priority debts, such as back taxes or support arrears. Or maybe you make too much money to qualify for a Chapter 7 bankruptcy. No matter your reason, most Chapter 13 cases are too difficult to file on your own. In addition to filling out the bankruptcy forms (and perhaps some local forms), you must also design a proposed repayment plan, which is very difficult to do without the expensive software that most attorneys use. Specific actions such as stripping your second mortgage or cramming down a car loan will require filing additional bankruptcy motions and paperwork with the court. As a result, some attorneys limit their bankruptcy practice to Chapter 7 because they feel they are not qualified to handle Chapter 13.
"Because I'm poli sci, we have a lot of discussions, and students are bringing up new ideas, " Nuigens said. "Because we're going to be having classes online, I don't think you're going to have that organic flow. " Jun Lin Sun was another 19-year-old student outside Frelinghuysen on Wednesday. But Sun, who lives in Shanghai, doesn't go to Rutgers. Rather, she's a senior at a New Jersey boarding school that she asked not to be named, and she was on her way into the Rutgers dorm to help a freshman friend from China move over to another dorm where international students will be able to stay for the time being. As for Sun hereslf, she said she'll be heading home to Shanghai. Rutgers freshman Sunny Cheng of Bridgewater said he was disappointed by the school's decision to hold online classes for at least two weeks following spring break. Steve Strunsky | NJ Advance Media for Sun wore a surgical mask that she only took off as she was about to enter the dorm. "I don't want to get droplets on my face, " she said, referring to water molecules that she feared could carry the coronavirus.
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