Those are the main reasons that I would put somebody into a Chapter 13. Some of the other reasons are to strip a lien. If you have multiple liens on a property but the value of that property does not exceed the first mortgage, you can actually reclassify those liens to second, to thirds as unsecured debt and get that removed from the property, not just discharged but removed from the property if you make it all the way through the bankruptcy plan to discharge. That’s what we call Lien Stripping. You can also clamp a property down to current market value. If you own multiple properties and you have investment properties that are worth less than what you owe on it, you can actually pay that property in full through the plan and discharge the remaining balance so that you only pay what the property is worth at the time of filing.