AUDIENCE: This book helps the growing number of people who don't qualify for Chapter 7 bankruptcy, as well as those in need of the benefits available only in a Chapter 13 bankruptcy, such as individuals who: would lose property in a Chapter 7 bankruptcy need to catch up on a past due mortgage or car payment, or want to repay debts that can't be wiped out in bankruptcy over time. REASONS TO BUY THIS NEW EDITION: The author uses easy-to-understand language to explain how Chapter 13 bankruptcy aids financial recovery (filers pay high-priority debts--such as house and car payments, taxes, and support obligations--before credit card balances, medical bills, and personal loans), and how to calculate the required monthly repayment amount. The reader learns what to expect during the repayment period, and the types of legal motions used to address a change in financial circumstances. This edition includes the latest official Chapter 13 plan form (and instructions for finding local plans), as well as a sample Chapter 13 bankruptcy filing using newly revised official bankruptcy forms. Also included are tips on finding, hiring, and working with a lawyer.