Special offer

Yes, You Can Refinance Out of a Chapter 13 Bankruptcy

Mortgage and Lending with Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 NMLS # 6869



Can you get me some business cards and will forward to my BK attorney. She said she is blown away that you were able to refinance me out of my Chapter 13. Actually, I can’t get over it either.

You can’t imagine how much of a difference this refinance will make in our lives. Making nearly $2,000 monthly to the trustee was killing us, especially the cost of everything these day. My attorney told me she was not aware that someone can refinance out of a chapter 13, amazing!!

I put a blurb on my Facebook page, as many of our friends know about the financial challenges over the past few years. Not sure if you get any more business out of it as few people want to discuss this kind of issue.

You are truly making such a difference in our lives!!”


You would think all attorneys working in bankruptcy would know individuals can refinance out of a Chapter 13, but not the case. It’s a shame that there are so many people needlessly stuck in bankruptcy.

  • If you know an attorney that practices bankruptcy law, I would be happy to speak to them.
  • And even better, if you know someone in a Chapter13, I’d be happy to discuss a refinance with them.

These days, every penny counts. Let me know if I can help you or someone you know.


Originally posted on RightTracFG.com

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Joe Petrowsky, NMLS #6869

Right Trac Financial Group, Inc. NMLS #2709

110 Main St.

Manchester, Ct. 06042

Office: 860 647-7701 x116

Fax: 860 647-8940

Cell: 860 836-9294

Email: joe@righttracfg.com



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Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.

Equal Housing Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing becuase of race, color, religion, sex, handicap, familial status, or national origin.

Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker - Retired

Good morning Joe. Years of experience and developing multiple funding contacts can make a big difference in the ability to be of service. Kudos to you for your reach in the ability to do things others cannot or know not! Enjoy your day.

Nov 17, 2022 04:15 AM
Gwen Fowler SC Lakes & Mountains 864-710-4518
Gwen Fowler Real Estate, Inc - Walhalla, SC
Gwen Fowler Real Estate, Inc.

That is one of the benefits of doing a Chapter 13, make your payments, do the things you agree to do and you will move back to good credit.  My current husband had to do this and we worked on it for 5 years, when he finished his credit score was a 750.

Nov 17, 2022 06:42 AM
Ed Silva, 203-206-0754
Mapleridge Realty, CT 203-206-0754 - Waterbury, CT
Central CT Real Estate Broker Serving all equally

I for one will mention this to the Bankruptcy lawyers that feed e my short sales transactions

Nov 17, 2022 09:55 AM
Roy Kelley
Retired - Gaithersburg, MD

It is sad to see this final post by Joe.

Joseph Lewis Petrowsky 75, of Eastford, CT passed away unexpectedly, November 18, 2022 

Nov 19, 2022 06:08 AM
Kat Palmiotti

Yes it is.

Nov 19, 2022 12:11 PM
Anna "Banana" Kruchten

Indeed it is Roy.

Nov 19, 2022 03:05 PM
Anna "Banana" Kruchten
HomeSmart Real Estate - Phoenix, AZ

It is very sad to see Joe's last post.  He will be missed.

Nov 19, 2022 03:04 PM
Jeffrey DiMuria 321.223.6253 Waves Realty
Waves Realty - Melbourne, FL
Florida Space Coast Homes

This is so sad to me. When you are on any site long enough you will lose some great people :(

Nov 21, 2022 09:46 AM
Brian DeYoung
also affiliated with Berkshire Hathaway Home Services Heritage Realty - Ithaca, NY
The Realtor with personal investment background

Joe was a great resource.

We had corresponded. He was a solid guy.

Nov 25, 2022 06:03 PM