Chapter 13, or reorganization bankruptcy, allows a debtor to pay money owed to creditors over time. It isn't available to every debtor, however, and its availability depends on the amount of debt and the level of the debtor's income. The articles that attorneys have submitted to the KnowledgeBase will help to explain when a debtor can or cannot take advantage of Chapter 13, and what steps a debtor must take in order to receive relief.