Chapter 13 is an opportunity for qualified debtors to restore balance to their financial life.
Unlike credit counseling debt repayment plans which are voluntary for all parties, an approved Chapter 13 plan, represented by the confirmation order, is binding on all parties, including those creditors who were notified about the Chapter 13 filing but chose not to participate.
One size plan does not fit all. YOUR Chapter 13 plan can be tailored to suit your needs–although it may NOT allow you to continue in a lifestyle as yet unaffordable.
For more details on Chapter 13, read an informal article by the Chapter 13 trustee for the Northern and Southern Districts of West Virginia or a view of Chapter 13 from the federal judiciary.