To be a debtor in chapter 13 you have to have unsecured debts of no more than about 380,000, and secured debts of no more than a little over a million. Most people can file a chapter 13 bankruptcy. The question is, is that the type of bankruptcy that best suits the goals that you want to accomplish and your financial situation. That’s where a discussion with a qualified bankruptcy attorney really comes into play. Because everything’s laid out on the table and we can decide, after going through everything, whether, even if you’re eligible for chapter 13, is it the best one for you.