This type of bankruptcy is often used by people that are looking to catch up on past-due mortgage, credit and automotive payments. This type of bankruptcy can also provide relief for those not eligible for Chapter 7 under the bankruptcy means test

There are certain requirements to file for Chapter 13 bankruptcy. You require a certain amount of income to be able to repay your debt that is confirmed by the court.

You must file as an individual. A business cannot file for bankruptcy. If you are in a partnership you may still file as an individual and included the business debts for which you are liable.

To qualify, you cannot have a previous petition for a bankruptcy within 180 days of filing a new one. This means that if you failed to appear before the court or comply with orders of the court - or were voluntarily dismissed after creditors sought relief from the bankruptcy court to recover property which hold liens - you aren’t eligible.