Those who want to consider filing chapter 13 bankruptcy should think about the following items. Those who may be behind on their mortgage payments or owe money to the IRS; if you have assets that you wish to protect and that would be liquidated under a chapter 7 plan; your disposable income is too high to qualify for a chapter 7 bankrupcty; if you need some relief from creditors yet wish to maintain the original payment plans with your creditors; you wish to leave chapter 7 bankruptcy as an option in the future; or if you have filed chapter 7 within the last six years, have a co-signor or have the capability to repay your indebtedness within three to five years.
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