Chapter 13 bankruptcy is designed for individuals with regular pay or income and in many instances, involves paying only a part of your obligations through installments over a period of time. Chapter 13 bankruptcy may be paid over 3to 5 years depending on your income, your debt, and various other factors. A discharge in a Chapter 13 is generally entered at the end of the payment plan, and most debts are generally discharged. Through a Chapter 13 bankruptcy, you may be able to bring your mortgage, vehicle, child support or tax obligations current. In most instances, you can stop foreclosure, sheriff’s sale of your home, garnishment of your wages and bank accounts by creditors and protect your assets. In addition, you may be able to eliminate a 2nd mortgage or a home equity mortgage. Also, car payments and interest may be modified.

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