A Few of Our Favorite (Chapter 13) Things

(To be sung to the tune of Julie Andrews’ version of “These Are a Few of My Favorite Things” from The Sound of Music)

Raindrops on roses, and whiskers on kittens,
Bright copper kettles and warm woolen mittens–
Hey, wait a minute, that’s not what I mean;
It’s time that we focus on Chapter Thirteen.

We’ve been Trustees for so long that it’s hard to
Not take for granted the ways it can help you.
Let’s take a moment to praise what it brings,
Recounting our Chapter 13’s favorite things:

Stopping foreclosures, and saving the home’s fate;
A plan to pay mortgage arrears that are quite late.
Buying some time for the taxes to pay,
No interest or penalties blocking the way.

Stopping the phone calls that cause you to lose sleep,
Only one payment a month must you now keep.
Cramming down cars to a value that’s fair,
Interest at Till rate is easier to bear.

Thank the Code for,
That big mo-ment,
On the fil-ing day;
Those two words so clear,
And so lovely to hear:
Your own Auto-ma….tic Stay!

Paying the unsecureds fair distribution;
Based on an income and asset solution.
Offering a venue to litigate fairly
Those disputed debts you can pay only barely.

Catching up child support: get back your license;
Adding in new debts: it sometimes make high sense.
Buying some time for the loan mod to seal;
Now you can stay in your house: what a deal!

Protecting co-signers, your friends and relations,
From their getting sued as reward for their patience.
Modify plans when you’re going through changes,
When job loss or sickness your life rearranges.

It’s not perfect,
Sure, we know that;
But it has… its perks;
If you do enough,
It will help save your stuff;
Try Chapter 13…. it…works!

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