In a Chapter 13 bankruptcy, an interest-free repayment plan is set up with the Bankruptcy court .
This plan shows how much money you will pay to the court each month, and how that money will be handed out to your particular creditors. The creditors cannot collect from you, and the creditors are required by a Federal Court order to adhere to the terms of the plan. The EV Law Group will assess your financials and determine if Chapter 13 is a good option for you.
Unlike a Chapter 7 BK, you must be working or have a consistent source of income to be able to file a Chapter 13 BK. Not only must you be able to pay for your monthly living expenses, but you must also be able to make your payment to the court to consolidate your debts. All of your debts should be included in a Chapter 13 BK, even though not all of them will be discharged at the end.
United States Bankruptcy Courts Chapter 13 Info: here