It is not advisable to hire just any lawyer to handle your personal Chapter 13 bankruptcy. Chapter 13 Plans are variable meaning the resulting Plan payment can be very different depending on which lawyer your choose. Chapter 13 Plans involve using knowledge of complex rules to your advantage. The lawyer you hire will represent you against your creditors’ attorneys, including negotiating and litigating the terms of the 13 Plan, including the monthly payment amount. A lawyer with more legal knowledge and research skills will do a better job against your creditor’s attorneys than a mediocre one can, and that affects your bottom line.