Chapter 13 is a great tool to use to keep you in your home. I meet with a lot of clients who have fallen behind on mortgage payments. A Chapter 13 first of all stops the chance of the home being foreclosed the day that we file the case and it allows for flexibility to pay back what you have fallen behind on the home payment. It also allows you to modify the mortgage to a monthly payment that is easier for you to make. If you’re behind on car payments and want to save the car, Chapter 13 is the tool for that. If you have assets that you would otherwise lose in a Chapter 7, Chapter 13 is the answer. It’s a great tool to help you save your assets and to also eliminate debt.