A Chapter 13 bankruptcy is for those who are struggling to manage their debt and need help in restructuring their payments. When filing a Chapter 13, our office will use your income and expenses to determine a feasible repayment plan that usually includes better repayment terms such as 0% interest. This means that you will repay some or all your creditors over a period of 36-60 months. All your payments will be combined into one and the only person that you will be responsible to is your bankruptcy trustee. This means that your creditors cannot foreclose on your house, garnish your wages, or contact you to collect debt.