Chapter 13 “reorganization” or “consolidation” allows you to consolidate your debts into one low monthly payment. The payment amount is tailored to your disposable income after your household expenses are paid. Chapter 13 is technically a bankruptcy, but is viewed differently since it is not a “straight” bankruptcy that simply eliminates debts without any payments whatsoever. Instead, it consolidates all missed mortgage payments (“arrears”), taxes, car payments, and other secured and unsecured debts and spreads the repayment over a three to five year period. Chapter 13 bankruptcy attorney in Los Angeles can help you understand everything about chapter 13 filing and all its processes.