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Chapter 13

Sometimes called reorganization bankruptcy, a Chapter 13 bankruptcy does not require debtors to hand over any property to creditors. Instead, they must use their income to pay all or some of what is owed over three to five years, depending on the scope of the debts and income.

Because petitioners must be able to use their income to satisfy their debts, many whose debts are too high do not qualify for Chapter 13 eligibility. Those who qualify must submit a detailed repayment plan. The length of the repayment plan depends on the amount of debts and income for each petitioner.

Our South Florida bankruptcy lawyers have handled a number of significant Chapter 13 bankruptcy cases, and they are available for consultations throughout the region with debtors and creditors in all bankruptcy matters.