Chapter 13 Bankruptcy (18th ed.)

Stop creditors. Get more time to pay. Filing for Chapter 13 bankruptcy stops creditors, lawsuits, wage garnishments, bank levies, and other collection actions, giving you time to restructure debts in a three- or five-year repayment plan. Each monthly payment goes primarily toward the debts that matter most—your mortgage, car loan, support obligations, and taxes. Credit card balances, medical accounts, and utility bills usually receive a small fraction of the balance. Chapter 13 filers can also u