Qualifying for Chapter 13 bankruptcy is relatively straightforward. The only criteria is that you must have a job, which is why it is sometimes called the wage earner’s bankruptcy. The reason that employment is so important is that Chapter 13 involves a debt repayment plan to pay back creditors. You need to have a source of income to keep up with the debt repayment plan, but eligible debts are discharged at the end of the Chapter 13 case.