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Individuals will qualify for chapter 13 bankruptcy if the meet the following criteria: unsecured debt, ie credit card debt or debt for goods and services, may not exceed $250,000 and secured debt, ie home mortgages, vehicles loans, may not exceed $750,000. Payments are made to a trustee, who in turn pays secured creditors first in line with their priority placement and then unsecured or credit card debt may be paid as a second priority. Creditors are not required to agree to this type of bankruptcy repayment plan, as the court can force the creditor to accept even if they object.