I often have clients who are concerned that if they don't "qualify" for a Chapter 7, they don't want to do a bankruptcy at all. Perhaps they don't qualify due to higher income, or due to a previous Chapter 7 filing in the last eight years. These clients have a vague idea of what a Chapter 13 bankruptcy is - a repayment plan - and don't feel it's "worth" doing a bankruptcy if they have to pay their creditors. Isn't that why they are seeing a lawyer in the first place, because they cannot afford to pay the creditors? Chapter 13 bankruptcies can be difficult, so I understand the hesitation. But before making a decision a person should know more about what a Chapter 13 Bankruptcy actually is, and also how to weigh that option against his current situation.