A Chapter 13 bankruptcy case is a proceeding under federal law in which debtor seeks relief under the chapter of the Bankruptcy Code which allows a person to repay all or a portion of his or her debts under the supervision and protection of the bankruptcy court.
Chapter 13 bankruptcy not only protects certain property… it also reorganizes your debts. In many cases, depending on your income and assets, we will be able to completely eliminate your unsecured debt. This means you may not have to pay credit card debt, medical bills, personal loans, old tax debt, delinquent utility bills and certain other unsecured debt.
A Chapter 13 bankruptcy also reorganizes and helps pay for recent tax debt, homeowner´s association fees, or delinquent child support payments.
While you are in your Chapter 13 bankruptcy, which lasts from 36-60 months, your creditors are prohibited by law from calling you.