If you are considering filing for bankruptcy for any reason, you must familiarize yourself with the chapter 13 rules. First, there are two types of bankruptcy, which are chapter 7 and chapter 13. In a chapter 7 bankruptcy, debt from unsecured sources such as credit cards and personal loans can be discharged. When they are discharged, they do not have to be paid back. In a chapter 13
. bankruptcy, is for people who have secured debt such as a home, or car. With a chapter 13 bankruptcy you can enter into a plan to pay back your debt. You can find more information here: http://www.chapter-13-bankruptcy.com/