Chapter 13 bankruptcy is reserved for people who have enough disposable future income to pay some of their debts back. In the case of Chapter 13 bankruptcy, your ‘disposable income’ will be used to pay down your debts under the plan over the next three to five years.  No matter how much of your debts you’ve actually paid after that period of time, your unsecured debts are usually wiped clean. Also, Chapter 13 can allow you to avoid foreclosure if you have fallen behind on your mortgage payments. If you are behind on loan payments for your vehicle you can stop repossessions.  You can catch up on your mortgage and vehicle payment by putting the amount you are behind into the Chapter 13 payment plan. To schedule a free consultation to discuss your financial situation, please contact the Pruitt Law Offices S.C. at 262-633-8301, through our website at, or visit us at 731 Main Street in Racine. We are your partners for professional service.