Chapter 13 Debt Consolidation

This type of Bankruptcy is sometimes referred to as the “Wage-Earner Plan.” You would file a Chapter 13 Debt Consolidation if you want to keep your non-exempt property and work on paying your debts over a period of time at a fraction of what you pay today. You qualify for Chapter 13 Debt Consolidation if you have predictable and sufficient amount of income to pay reasonable living expenses and some amount of money left over to pay off your debts.