An alternative to a Chapter 7 filing, Chapter 13 bankruptcy protection allows the debtor to make payments to a trustee based on his ability to pay his types of debt and amount of debts.

In a Chapter 13 filing, the debtor proposes a plan to pay all or part of his debts. Typically, an individual seeking Chapter 13 relief may propose a plan to pay his unsecured creditors 10% of the total debt amount.

Advantageous to both the debtor and creditor, a Chapter 13 filing may set the terms of repayment as short as 36 months or as long as 60 months.

Chapter 13 Bankruptcy Qualifications

If you do not qualify for a Chapter 7 your options for a Chapter 13 can be reviewed.


Finding the right attorney is one of the most important decisions you will make during your legal process.