A chapter 13 case normally begins by visiting an attorney to determine whether or not Chapter 13 might be the best solution to your financial problems. Frequently, people think they need a Chapter 13 when there are other ways to deal with their debt situations. If a Chapter 13 is the correct form of bankruptcy file, then the attorney will provide you with worksheets to fill out so that all of your debts, assets, income, and other information that is necessary to provide to the court can be reviewed. After the bankruptcy petition has been completed and thoroughly reviewed, it is filed with the court. Shortly thereafter, you and your attorney will meet with the bankruptcy trustee to review the information in the petition. Generally, after this meeting, the Chapter 13 bankruptcy is approved by the court and you will begin making payments to the bankruptcy trustee. The Chapter 13 case will then run for 3 to 5 years to completion.
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