In order to qualify for Chapter 13, your secured and unsecured debts cannot exceed a specific amount. If your debt burden is too high for Chapter 13 and you make too much money for Chapter 7, you may still have options but you need to call a bankruptcy attorney to discuss your situation.nnAs of 2020, the debt limits for Chapter 13 are:nn$419,275 in unsecured debtn$1,257,850 in secured debtnnIf you owe more than that you cannot file for Chapter 13 bankruptcy.