Meeting with Tucson Chapter 13 Bankruptcy lawyer Eric Ollason and his office staff is a great start in understanding your financial position, and how we can help you achieve the move into a positive direction. Your eligibility will depend on a number of factors, including your income, assets, and debt. If you are behind on your house payment, and are in jeopardy of going into foreclosure, Chapter 13 Bankruptcy may be right for you. If your income allows, and you have excessive unsecured debt, a legally negotiated repayment plan could be the answer you are looking for.