What Is Chapter 13?

Chapter 13 is a US bankruptcy action that an individual may pursue to have their 'forgivable' debts consolidated by the courts. A percentage of the debt gets paid to creditors through the court system for a set period of time in set amounts. Student loans are not a forgivable debt and neither is child support obligation. There may be others.

Most people go through an attorney to file for bankruptcy because it can be a complex action for the layperson to take without good knowledge of the forms, process, etc. One can contact a bankruptcy attorney. It is possible the attorney could roll her fee into the debt, though most do not. The attorney fee will vary from individual to individual, so shop around for someone who is willing to work with you.

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