Chapter thirteen. It's less of a challenge to qualify for Chapter 13 than for Chapter 7. In place of erasing your credit card debt, such a filing reorganizes your paying out. You'll reach keep the belongings, but the court will purchase a spending plan that you should survive, which will contain a regular monthly payment strategy for the

. Chapter thirteen, Adjustment of Debts of a person With Regular Profits, also known as the Wage Earner Program, is created for a person debtor who may have a daily source of earnings, that permits the debtor to help keep a useful asset, such as a property Which might be in foreclosure or that could have surplus equity, and lets the debtor to sugge