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Chapter 13

Chapter 13: For when you want to eliminate some debts, get caught up on and consolidate others.

Chapter 13 allows you either 36 or 60 months to get caught up on and repay any payments which you have missed on your car, truck and/or house.

The Bankruptcy laws are broken down into chapters. For instance, there is Chapter 7 (sometimes called “a liquidation bankruptcy”, which is misleading), Chapter 13 (commonly called a “wage earner plan”), Chapter 11 (bankruptcy for huge corporations like airlines and department stores) and Chapter 12 (bankruptcy for a family farmer).

For individuals, married couples and almost all privately owned businesses, Chapter 7 and Chapter 13 are the only two chapters available to most people in need of help.

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