Chapter 13 Chapter 13 Bankruptcy: A Repayment Plan Chapter 13 bankruptcy reorganizes your debt rather than having it forgiven as it often does in a Chapter 7.For those who do not qualify for a Chapter 7, or who would rather the other benefits: stopping a foreclosure by allowing you the time to bring your mortgage current; by allowing the debtor to keep their assets and catch up on any debt that is not bankrupt-able. Free Consultation - Call 516-997-0999 Or Email us at ROBERT L. PRYOR: RLP@PRYORMANDELUP.COM, A. SCOTT MANDELUP: ASM@PRYORMANDELUP.COM