{"id":286916,"date":"2016-04-04T10:41:50","date_gmt":"2016-04-04T15:41:50","guid":{"rendered":"https:\/\/ability-fl-prod.internetbrands.com\/ability-law\/bankruptcy\/chapter-13\/chapter-13-bankruptcy-law-checklist.html"},"modified":"2025-08-17T14:59:00","modified_gmt":"2025-08-17T19:59:00","slug":"chapter-13-bankruptcy-law-checklist","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/chapter-13-bankruptcy-law-checklist.html","title":{"rendered":"Steps in the Chapter 13 Bankruptcy Process"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n<div class=\"fl-page-articles fl-section-main fl-section-main-full-width\"><h1 class=\"fl-no-margin-top\">Steps in the Chapter 13 Bankruptcy Process<\/h1>\n\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/christie-nicholson-j-d\/\">Christie Nicholson, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/jordan-walker-j-d\/\">Jordan Walker, J.D.<\/a>\n                | Last updated\n        <time>\n                            August 17, 2025\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n\n\n<div class=\"fl-key-takeaways fl-mb30\" data-testid=\"fl-key-takeaways\">\n    <div class=\"fl-card-content\">\n        <div class=\"fl-card-body fl-card-bg-teal fl-flex fl-flex-column\">\n                            <h2 class=\"fl-card-title fl-h2 fl-no-margin\">Key Takeaways<\/h2>\n                        <p>The Chapter 13 bankruptcy process is a court-supervised debt reorganization that allows you to keep your property while repaying creditors over three to five years. The process involves checking your eligibility, filing required paperwork, meeting with a trustee, and getting court approval for your repayment plan. After making all scheduled payments, the court discharges remaining eligible unsecured debts.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div><p>The steps for filing for bankruptcy include:<\/p>\n<ul>\n<li>Deciding if Chapter 13 bankruptcy, a three to five year repayment plan that allows you to keep your property, fits your situation better than Chapter 7<\/li>\n<li>Checking your eligibility by confirming your regular income and that your total secured and unsecured debts fall within Chapter 13 limits<\/li>\n<li>Confirming you\u2019re current on required tax filings, making an inventory of your debts and assets, notifying any co-signers, completing the required bankruptcy forms, and paying the filing fee<\/li>\n<li>Meeting with the trustee for a review and creditor questions<\/li>\n<li>Attending a confirmation hearing with your local bankruptcy court, where the judge either approves, modifies, or rejects your repayment plan<\/li>\n<li>Making timely plan payments\u00a0<\/li>\n<\/ul>\n<p>After you complete your payments, the bankruptcy court issues a discharge of eligible unsecured debts.<\/p>\n<p><a href=\"https:\/\/www.findlaw.com\/bankruptcy.html\">Filing for bankruptcy<\/a>\u00a0can be overwhelming. Consulting a local\u00a0<a href=\"https:\/\/lawyers.findlaw.com\/bankruptcy-law\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">Chapter 13 bankruptcy lawyer<\/a>\u00a0can help you navigate each step correctly. This article\u00a0examines\u00a0how a Chapter 13 bankruptcy works and\u00a0what makes it different\u00a0from a\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-7.html\">Chapter 7 bankruptcy<\/a>\u00a0case. It also\u00a0outlines\u00a0the steps to filing a Chapter 13 bankruptcy and explains\u00a0what you must do to receive your bankruptcy discharge or repayment plan.<\/p>\n<p>If you plan to file bankruptcy and have questions about the process, contact a local\u00a0<a href=\"https:\/\/lawyers.findlaw.com\/bankruptcy-law\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">Chapter 13 bankruptcy attorney<\/a>.<\/p>\n<h2>Why\u00a0Chapter 13 Bankruptcy Might Be Right for You<\/h2>\n<p>People file for Chapter 13 for many reasons. Perhaps their home is in\u00a0<a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure.html\">foreclosure<\/a>, or\u00a0maybe their\u00a0debts have become overwhelming.\u00a0A reasonable payment arrangement is the first step toward regaining financial stability.<\/p>\n<p><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13.html\">Chapter 13 bankruptcy<\/a>\u00a0allows you to keep your property and pay back your debts over three to five years. It also prevents your creditors from pursuing aggressive collection activity.<\/p>\n<h3>Chapter 13 Bankruptcy\u00a0vs.\u00a0Chapter 7 Bankruptcy<\/h3>\n<p>In Chapter 13, you and your lawyer draft a three to five year payment plan.\u00a0A\u00a0trustee reviews it and, after court approval, you&#8217;ll pay\u00a0a specific amount of money to the U.S. Trustee every month, who then\u00a0distributes it to the creditors in a prorated fashion.<\/p>\n<p>Your debts do not disappear after a Chapter 13. While\u00a0the bankruptcy court will sometimes\u00a0discharge\u00a0unsecured debt\u00a0like\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/what-should-i-do-if-i-ve-been-sued-for-debt.html\">credit cards<\/a>\u00a0and personal loans,\u00a0the trustee will require you to pay something to each creditor, especially those holding secured debt.\u00a0You\u00a0have to pay the debt in full unless the\u00a0creditors may agree to a reduced amount. It all depends on your financial situation and the amount and\u00a0<a href=\"https:\/\/www.findlaw.com\/flp\/managing-debt.html\">type of debt<\/a>\u00a0you owe.<\/p>\n<p>With Chapter 13, the trustee creates a fair\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/repayment-plan.html\">repayment plan<\/a>\u00a0so you can gradually eliminate your debt. People refer to this type of bankruptcy as a reorganization bankruptcy because the trustee restructures your debts and payment schedules.<\/p>\n<h2>What Debts Will the Judge Discharge in a Chapter 13 Bankruptcy?<\/h2>\n<p>In a Chapter 7 bankruptcy, the court will discharge the filer&#8217;s debt so they can get a\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief.html\">fresh start<\/a>. Discharging the debt means you will no longer owe the debt, and the creditor cannot pursue collection activity or legal action.<\/p>\n<p>When a debtor files for Chapter 7, they can keep certain property by\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-7\/debts-that-remain-after-a-chapter-7-discharge.html\">reaffirming the debt<\/a>\u00a0and continuing to make payments. However, the bankruptcy trustee may demand you sell your assets to pay off some of your creditors.<\/p>\n<p>In Chapter 13, filers can\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-7\/the-debt-discharge-in-bankruptcy-faq.html\">discharge some debt<\/a>\u00a0but must make payment arrangements on most of it.\u00a0According to the\u00a0<a href=\"https:\/\/codes.findlaw.com\/us\/title-11-bankruptcy\/\" target=\"_blank\" rel=\"noopener\">U.S. Bankruptcy Code<\/a>, the court may discharge the following debts after your Chapter 13 is complete:<\/p>\n<ul>\n<li>Credit cards<\/li>\n<li>Personal loans<\/li>\n<li>Medical bills<\/li>\n<li>Utility bills<\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/litigation\/filing-a-lawsuit\/appealing-a-court-decision-or-judgment.html\">Civil judgments<\/a><\/li>\n<\/ul>\n<p>You must make monthly payments toward these bills during your\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/chapter-13-repayment-plan-and-confirmation-hearing.html\">Chapter 13 plan<\/a>. Once the plan is complete, the trustee will discharge the remainder of these debts.<\/p>\n<p>Some of the debts you can discharge in Chapter 13 that you cannot discharge in Chapter 7 include:<\/p>\n<ul>\n<li>Some non-criminal government fines and penalties<\/li>\n<li>HOA and condominium fees accrued prior to filing<\/li>\n<li>Some income taxes can be discharged if timing rules are met<\/li>\n<\/ul>\n<p>Some debts are not dischargeable in either\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/what-is-bankruptcy\/bankruptcy-definition-what-exactly-is-it.html\">type of bankruptcy<\/a>. These include:<\/p>\n<ul>\n<li><a href=\"https:\/\/corporate.findlaw.com\/finance\/when-divorce-turns-into-bankruptcy-which-debts-are.html\" target=\"_blank\" rel=\"noopener\">Alimony<\/a><\/li>\n<li>Child support<\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/your-options-when-you-can-t-repay-student-loans.html\">Student loans<\/a><\/li>\n<li>Mortgage arrears (you must pay these in full in your repayment plan)<\/li>\n<li>Car loans (if you wish to keep your motor vehicle)<\/li>\n<li>Administrative fees (such as the trustee fee)<\/li>\n<li>Criminal fines and\u00a0<a href=\"https:\/\/www.findlaw.com\/criminal\/criminal-procedure\/restitution.html\">restitution<\/a><\/li>\n<li>Most\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/what-is-bankruptcy\/bankruptcy-and-taxes-eliminating-tax-debts-in-bankruptcy.html\">tax debts<\/a><\/li>\n<\/ul>\n<p>These are considered\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/debt-relief\/debt-priority-which-debts-should-you-repay-first.html\">priority debts<\/a>. Filers must pay them in full before their repayment plan ends.<\/p>\n<h2>Steps in the Chapter 13 Bankruptcy Process<\/h2>\n<p>Now that\u00a0you have a better understanding of\u00a0how a Chapter 13 bankruptcy works,\u00a0let&#8217;s take a look at the\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/filing-for-chapter-13.html\">Chapter 13 bankruptcy process<\/a>. If you don&#8217;t follow these steps, the court will likely dismiss your bankruptcy case and require you to amend or refile your petition.<\/p>\n<p>Making a mistake during a Chapter 13 bankruptcy can haunt you\u00a0for a long time.\u00a0Even if the process seems like something you can handle,\u00a0it&#8217;s a good idea to\u00a0consider consulting a\u00a0<a href=\"https:\/\/lawyers.findlaw.com\/bankruptcy-law\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">skilled bankruptcy attorney<\/a>\u00a0to help with your case.<\/p>\n<h3>Decide if Chapter 13 Is Right for You<\/h3>\n<p>Before you file your\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/what-is-bankruptcy\/what-happens-when-you-file-for-bankruptcy.html\">bankruptcy petition<\/a>, you must decide which type of bankruptcy to file. For individual debtors, this usually means choosing between Chapter 7 or\u00a0Chapter 13 bankruptcy.<\/p>\n<p><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-7\/chapter-7-bankruptcy-rules-overview.html\">Chapter 7<\/a>\u00a0is for people looking for a fresh start. The court discharges your debts, and you do not have to pay them.\u00a0To be eligible for Chapter 7, you must pass a\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-7\/the-bankruptcy-means-test.html\">means test<\/a>\u00a0to show that your income is lower than your state&#8217;s median income. Be warned that a Chapter 7 bankruptcy will negatively affect your credit rating for quite some time, making it difficult to get loans or a mortgage.<\/p>\n<p>With a Chapter 13, you pay your debts back over time. It&#8217;s intended\u00a0for people who want to keep their assets and reduce their monthly payments.\u00a0To qualify for Chapter 13, you must show sufficient disposable income to pay your plan&#8217;s monthly payments.<\/p>\n<h3>Calculate Your Debt<\/h3>\n<p>Before filing for bankruptcy, you must determine\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13.html\">how much debt you owe<\/a>. You cannot file Chapter 13 if your total combined secured and unsecured debt is at or above $2,750,000.<\/p>\n<p>There is no minimum amount you must owe. Whatever your total debt, you must also be able to prove that you can afford the payments in your Chapter 13 plan.\u00a0According to\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/pros-and-cons-of-declaring-bankruptcy-under-chapter-13.html\">Chapter 13 bankruptcy<\/a>\u00a0law, if your total debt is too high, the court may deem you ineligible or unable to formulate a feasible repayment plan.<\/p>\n<p>Weigh your income against the payment obligations set up in your Chapter 13 payment plan. If you don&#8217;t have sufficient\u00a0regular income\u00a0to make your payments, the court will not let you proceed.<\/p>\n<h3>Calculate the Total Value of Your Property<\/h3>\n<p>Debtors file Chapter 13 primarily because they want to\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-7\/exempt-vs-non-exempt-property-under-chapter-7.html\">keep their assets<\/a>. If you don&#8217;t own any property, you may be better off filing for Chapter 7. If you have equity in your home and your car loan is almost paid off, Chapter 13 may be your\u00a0best option.<\/p>\n<h3>Confirm That You Are Up to Date on Your Tax Returns<\/h3>\n<p>The court will not approve your Chapter 13 bankruptcy if you owe back taxes,\u00a0unless paying\u00a0your priority taxes is part of your repayment plan\u00a0. You must also prove that you are current on your tax records. If you have not filed the current year&#8217;s tax forms or failed to file\u00a0taxes in recent years, you will not qualify for Chapter 13. You can file\u00a0<a href=\"https:\/\/www.findlaw.com\/tax\/federal-taxes\/filing-taxes.html\">tax returns<\/a>\u00a0for the missed years, but\u00a0do so\u00a0before submitting your bankruptcy petition.<\/p>\n<h3>Notify Any Co-Signers That You Intend To File Bankruptcy<\/h3>\n<p>When you file Chapter 13 bankruptcy, it impacts the people who co-signed your loans. Not only does the\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/what-is-bankruptcy\/the-automatic-stay-stopping-creditors-with-bankruptcy.html\">automatic stay<\/a>\u00a0protect them throughout the bankruptcy, but your repayment plan also affects them.<\/p>\n<p>If you have\u00a0<a href=\"https:\/\/www.findlaw.com\/legalblogs\/law-and-life\/legal-how-to-release-a-cosigner-from-a-loan\/\">co-signers<\/a>\u00a0on any secured debt and they wish to reaffirm the loan, they have the right to do so. If they do, you will not include the debt in your bankruptcy.<\/p>\n<h3>Complete Your Chapter 13 Bankruptcy Law Paperwork<\/h3>\n<p>After determining your eligibility for Chapter 13 bankruptcy, you must gather your financial information and complete the requisite forms. Make sure you have the filing fee of $313. Payment methods and online options vary by district,\u00a0so\u00a0check your local\u00a0court&#8217;s instructions. It&#8217;s advisable to pay with either\u00a0a money order or cashier&#8217;s check made payable to &#8220;Clerk, U.S. Bankruptcy Court.&#8221;<\/p>\n<h3>Meet With the Bankruptcy Trustee<\/h3>\n<p>Once the court accepts your bankruptcy petition, you must\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/what-is-bankruptcy\/what-is-a-trustee-in-bankruptcy.html\">meet with the trustee<\/a>\u00a0handling your Chapter 13 bankruptcy case to determine your eligibility.\u00a0The trustee will review your paperwork and discuss your Chapter 13 repayment plan. Your\u00a0<a href=\"https:\/\/www.findlaw.com\/smallbusiness\/business-debt-and-bankruptcy\/what-to-expect-filing-bankruptcy.html\">creditors may appear at this meeting<\/a>\u00a0to ask you questions or negotiate the terms of your repayment plan.<\/p>\n<h3>Attend a Confirmation Hearing<\/h3>\n<p>Shortly after you meet with the trustee, you will attend a\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/chapter-13-repayment-plan-and-confirmation-hearing.html\">confirmation hearing<\/a>. This is where the bankruptcy judge will decide whether to confirm your plan. Your creditors can raise objections to your plan at this hearing, and the judge will make rulings on them.<\/p>\n<p>If the judge approves your Chapter 13 plan, you will start making payments on\u00a0your\u00a0plan. The court will not\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-7\/the-debt-discharge-in-bankruptcy-faq.html\">discharge any debts<\/a>\u00a0until your payment plan is complete. Once finished, debts you owe to unsecured creditors are discharged. If you still owe money on your secured debts, you must pay them in full.<\/p>\n<h3>Make Your Payments Accordingly<\/h3>\n<p>Within 30 days of filing your bankruptcy, you must start making payments according to your repayment plan. Be prepared to return to court should any issues arise during your case.<\/p>\n<p>Stay current on your payments. If you consistently miss payments, the judge will dismiss your case.\u00a0This means that the\u00a0<a href=\"https:\/\/corporate.findlaw.com\/finance\/bankruptcy-and-the-secured-creditor.html\" target=\"_blank\" rel=\"noopener\">creditors<\/a>\u00a0can begin trying to collect from you\u00a0again.<\/p>\n<h3>Receive Your Bankruptcy Discharge<\/h3>\n<p>Once you complete your repayment plan, you must complete post-filing debtor education before the U.S. Bankruptcy Court will issue your\u00a0<a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-7\/the-debt-discharge-in-bankruptcy-faq.html\">bankruptcy discharge<\/a>. This court order discharges your obligations for any unsecured debt you listed in your plan.<\/p>\n<p>As long as you have made all of the promised payments and fulfilled your part of the plan, your bankruptcy will be complete.<\/p>\n<h3>An Experienced Bankruptcy Attorney Can Help<\/h3>\n<p>If you have questions or need help filing your Chapter 13 bankruptcy petition,\u00a0<a href=\"https:\/\/lawyers.findlaw.com\/bankruptcy-law\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">consult a bankruptcy attorney<\/a>.<\/p>\n<h3>You May Also Like:<\/h3>\n<ul>\n<li><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/chapter-13-repayment-plan-and-confirmation-hearing.html\">Chapter 13 Repayment Plan and Confirmation Hearing<\/a><\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/exempt-property-in-a-chapter-13-bankruptcy.html\">Exempt Property in a Chapter 13 Bankruptcy<\/a><\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/filing-for-chapter-13.html\">Filing for Chapter 13<\/a><\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/chapter-13-vs-chapter-7-bankruptcy.html\">Difference Between Chapter 7 and Chapter 13 Bankruptcy<\/a><\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/bankruptcy\/after-bankruptcy.html\">After Bankruptcy<\/a><\/li>\n<\/ul><\/div>\n\n\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span 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my problem\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__feedback was-this-helpful__feedback--negative\">\n                <fieldset>\n                    <legend class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    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class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"fl-section-sidebar\">\n<div class=\"email-subscription fl-mb30\">\n    <div class=\"email-subscription-header\">\n        <div class=\"email-subscription-header-content\">\n            <h3 class=\"fl-callout-sm fl-no-margin\">Stay Up-to-Date With How the Law Affects Your Life<\/h3>\n        <\/div>\n        <div class=\"email-subscription-header-image fl-flex fl-items-end\">\n            <img decoding=\"async\"\n                src=\"https://www.findlaw.com/static/c/images\/images\/w_1200,c_limit,dpr_auto\/f_auto,q_auto:eco\/v1745902396\/ability-law\/wp-prod\/general-components-subscribe-module-Image-subscribeModule_1\/general-components-subscribe-module-Image-subscribeModule_1.png?_i=AA\"\n                alt=\"\"\n                loading=\"lazy\"\n            \/>\n        <\/div>\n    <\/div>\n\n    <div class=\"email-subscription-content fl-flex fl-flex-wrap\">\n        <div class=\"email-subscription-content-text fl-mb25\">\n            <h4 class=\"fl-no-margin\">Enter your email address to subscribe<\/h4>\n        <\/div>\n\n        <form class=\"email-subscription-content-form\">\n            <input type=\"hidden\" name=\"distributionList\" value=\"latl\" \/>\n            <label for=\"email-subscription-content-form-group-input\" class=\"fl-text-sm-bold\">Email (Required)<\/label>\n            <div class=\"email-subscription-content-form-group\">\n                <input id=\"email-subscription-content-form-group-input\" name=\"email\" autocomplete=\"email\"\/>\n                <button type=\"submit\" aria-label=\"Submit\">\n                    <i class=\"fa fa-angle-right\" aria-hidden=\"true\"><\/i>\n                <\/button>\n            <\/div>\n            <p class=\"email-subscription-content-form-success subscribe-success-message fl-text-sm-bold\" aria-hidden=\"true\" role=\"status\">Thank you for subscribing!<\/p>\n            <p class=\"email-subscription-content-form-error subscribe-error-message fl-text-sm-bold\" role=\"alert\" aria-hidden=\"true\"><\/p>\n\n            <div id=\"email-subscription-content-form-recaptcha\" class=\"email-subscription-content-form-recaptcha subscribe-recaptcha\"\n                data-sitekey=\"0x4AAAAAAABGBEkK9kEeKxO-\"><\/div>\n        <\/form>\n\n        <div class=\"email-subscription-content-footer fl-text-sm\">\n            <p><a href=\"https:\/\/newsletters.findlaw.com\/\" target=\"_blank\" rel=\"noopener\">Learn more about FindLaw\u2019s newsletters<\/a>, including our terms of use and privacy policy.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n<div class=\"general-list\">\n    <h3>You May Also Like:<\/h3>\n    <ul class=\"fl-list fl-no-margin\">\n                                    <li 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medium\" aria-hidden=\"true\"><\/i>\n                    <a class=\"fl-list-item-link\" href=\"https:\/\/www.findlaw.com\/bankruptcy\/chapter-13\/filing-for-chapter-13.html\">\n                        Filing for Chapter 13\n                    <\/a>\n                <\/li>\n                        <\/ul>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Learn the details of Chapter 13 bankruptcy law to decide whether it&#8217;s right for you and explore the process with FindLaw&#8217;s guide.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":286914,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":["SEO Title Length","External Links","Alt Text for All Images","Category 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