Chapter 13 allows a debtor to keep property and pay debts over time. When someone files Chapter 13 bankruptcy, they are able to keep their property and a plan is set up to pay debts over a period of time – generally from three to five years. The Chapter 13 process will likely involve your attorney dealing with the bankruptcy court / trustee and your creditors to complete a chapter 13 plan. An approved Chapter 13 plan will usually greatly reduce debt and structure reasonable payments, while proving the protection of bankruptcy. There are debt and income limits to certain Chapter 13 bankruptcies and not all debtors can qualify for a Chapter 13, contact us to discuss your options.