CAN I DO A CHAPTER 13 BANKRUPTCY IF I DON’T QUALIFY FOR A CHAPTER 7?

Yes, often people who do not qualify for a Chapter 7 (their income is above the maximum for the number of people in the household) can qualify for a Chapter 13. A Chapter 13 is a payment plan and because of this you must be employed in order to qualify for this type of bankruptcy. The payment plan is based on your ability to pay.