If you are a renter and have fallen behind on your rent payments, it is only a matter of time before your landlord will begin eviction proceedings against you. But don’t lose hope. You may have a remedy to stay in your home.
If your rental arrangement is a lease, rather than month-to-month, and you have fallen behind on your lease payments, bankruptcy can help. You might be able to propose a chapter 13 plan to cure your lease default over time, keep your home, and simultaneously wipe out some or all of your other debts. You might also be able to reduce the interest rate or principal on your car loan. If you owe back taxes, you may be able to either wipe out the taxes or pay them back over five years with no interest or penalty.