Chapter 13 is reorganization bankruptcy. In Chapter 13, there is a consolidated monthly payment plan (possibly as little as 1% of unsecured, non priority debts) for 3 to 5 years.

There are some differences in what can be dealt with in a Chapter 13 compared to Chapter 7, such as post petition HOA debt, taxes, unsecured 2nd mortgage liens, MVA and Central Collection Unit debt, governmental and divorce related debts,  etc.

Chapter 13 permits the debtor time to include priority taxes; allows people to stop a foreclosure and catch up on mortgage and vehicle arrears; may eliminate unsecured second mortgages; crams down vehicle loans, keeps non-exempt assets, bifurcates liens, strips liens, among other benefits.

Many who are not eligible for Chapter 7 bankruptcy may still have Chapter 13 as an option.  There are some restrictions as to who can file Chapter 13, but it is an option for most people if you are not eligible for Chapter 7.

If you are above median income and don’t pass the means test, if you own a house with non-exempt equity, have made certain types of transfers, or have other prior, current, or future non-exempt assets that would be sold or seized in Chapter 7, or you had a Chapter 7 within the last 8 years, or for many other reasons and objectives, you can usually file Chapter 13 instead.

Chapter 13 Plans are not identical in terms of the benefits you can get. The results can be very different depending on which lawyer your choose to assist you. Technically, any attorney could handle your Chapter 13, but it is not a good idea just to get any lawyer to do so because you only have one shot to make sure you get what you are supposed to get out of your bankruptcy. It is extremely important to hire an attorney who is knowledgeable about bankruptcy rules and nuances, including rapidly changing laws, to give you the best chance at claiming the full benefits of bankruptcy.