A Chapter 13 Bankruptcy is not for everyone. Typically people that are current on their credit cards and have a little money left over each month are not good candidates for a Chapter 13 Bankruptcy. If you fall into this category and have fallen on some short term financial hardship, you should contact your creditors and discuss the situation with them and try and work something out with them.

You may even consider retaining a Debt Negotiation Attorney to assist you in negotiating your situation with your creditors. If your short term financial hardship continues on longer than you expect, a Chapter 13 Bankruptcy then might be an option for you in the future.