Chapter 13 bankruptcy is often more agreeable than Chapter 7 bankruptcy for both debtors and creditors. Instead of attempting to discharge your debts, Chapter 13 bankruptcy will try to reduce the amount you owe and create a new repayment plan that your income and finances can handle. If your debt is not entirely overwhelming or you have assets you do not want to risk, like your home o... https://capitaljustice.com/chapter-13/