Chapter 13 can offer a lot of benefits.  If you are struggling and overwhelmed by debt, then you might not know where to turn.  You might feel embarrassed and hopeless.  However, there is no shame in seeking help under the United States bankruptcy code.  In fact, it can be a much smarter decision to seek legal help than to continue accumulating more debt, defaulting on loans, or foreclosure.  Chapter 13 can provide much-needed relief and modification for your loans.  After this, you can breathe again and rebuild your credit and financial freedom.