The major distinguishing factor of filing Section 13 comes to its requirement for debts pay back according to a strategy which you craft with us as your attorneys. Consumers considering chapter 13 are required to file a debts pay back strategy according to specific natures of the debts, such as secured debts, priority debts, or finally general debts. The chapter 13 consumer then submits payments monthly to a bankruptcy trustee. The bankruptcy trustee distributes the money to each particular creditor. In some cases, chapter 13 bankruptcy can be converted into a sequence seven which requires no pay back schedule.