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Declaring Bankruptcy- Is Chapter 13 The Answer To Your Problems? Chapter 13 is the chapter under the bankruptcy code which allows a person to repay all or a portion of his or her debt under the protection of the bankruptcy court. Chapter 13 is designed for individuals with regular income who desire to pay their debts but are currently unable to do so. Declaring Bankruptcy-Chapter 7, Chapter 13, Or None Of The Above Bankruptcy is a federal court process designed to help consumers and businesses eliminate their debts or repay them under the protection of the bankruptcy court. Bankruptcy is an option that often has to be considered when an individual cannot pay their debts as they fall due.

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