Qualifications for Chapter 13

Any individual in the United States is eligible for Chapter 13 bankruptcy, as long as:

  • their unsecured debts are less than $360,475, and
  • their secured debts are less than $1,081,400.

These amounts adjust regularly to reflect the changes in the consumer price index.

You cannot file under Chapter 13 bankruptcy if:

  • you are a corporation or partnership, or
  • you have not received credit counseling from an approved credit counseling agency within 180 days prior to filing.