Qualifying for Chapter 13


If you are above the median average household income and you have certain assets that you want to keep, a Chapter 13 bankruptcy might be the way you want to go. Also, there are certain types of debt that you can discharge in a Chapter 13 bankruptcy that are not dischargeable in a Chapter 7 bankruptcy. For example, court ordered payments to an ex-spouse that are not designated as support payments might be discharged in a Chapter 7 bankruptcy, whereas they might be discharged in a Chapter 13 bankruptcy.

If you’re wondering if Chapter 13 bankruptcy is right for you, contact the Cook Law Firm today!


The Cook Law Firm wants you to know that if you’re suffering due to debts you can’t seem to overcome, bankruptcy could help. While there are debts that are non-dischargeable like child support or student loans, bankruptcy is effective at resolving unsecured debts and correcting your financial situation.

As an individual, know there are two bankruptcy options available — Chapter 7 and Chapter 13. In Chapter 7 debts are paid by seizing non-exempt property and using excess income to resolve debts. Chapter 13, on the other hand, allows you to keep your non-exempt property on the condition that you adhere to a court-ordered payment plan.

Curious about exempt versus non-exempt property?