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Consumer Bankruptcy Law: Chapter 13


Chapter 13 bankruptcy is referred to as a reorganization bankruptcy. Your property is not sold when you file for Chapter 13 protection, and if you successfully complete a court-mandated repayment plan, you may be able to keep your property, including your home.

After completing the repayment plan in which you pay your creditors a portion of the outstanding debt over a fixed period of time, any remaining unsecured debts—such as credit cards and medical bills—may be "discharged." When debt is discharged, it means you're no longer required to pay back the debt.

Books at the Law Library



These forms are all available from Please also check with your local bankruptcy court to see if there are additional forms you need.