A Chapter 13 bankruptcy is where we do a reorganization of debt. So, in a Chapter 13 bankruptcy you’re able to get current on home loans, auto loans, and even tax debt. While restructuring your finances for a monthly payment that you can afford. In a Chapter 13, you can still get rid of your credit card debt and your medical bills, but you’re able to keep all of your assets and restructure repayment that’s within your own budget.