Filing Chapter 13 Bankruptcy

Almost all bankruptcy cases not filed under Chapter 7 are filed under Chapter 13. The latter is also referred to as “Reorganization Bankruptcy” and it is often the optimal choice if the debtor has too many non-exempt properties to lose if he chooses the former. It works best with individuals who have a steady fixed income who are confident they have enough left after necessities to pay their debts.


The Bankruptcy Code under Chapter 13 is about the reorganization of the consumer’s debts. A payment plan or Chapter 13 plan is created according to which the debtor pays a portion of his total debts in a period of three to five years. Once the debtor manages to fulfill the terms of the plan in good faith, his remaining debts are written off.



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