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A Chapter 13 Bankruptcy is Similar to Debt Consolidation

What we do is we take your income from all sources of income and we subtract your regularly incurred monthly expenses. At the end of that calculation, you have to have at least $100 a month left over that you can then send to the court appointed trustee and he uses that money to pay your creditors. So, in essence, I like to think of the chapter 13 as a debt consolidation. It puts all of your debt in one place and you pay it back over time through one central agent who is the trustee.