A Chapter 13 bankruptcy is another type of personal bankruptcy usually filed because a person has more income than expenses or perhaps has non-exempt assets such as too much equity in the residence. A Chapter 13 filing can also address such debts as mortgage arrears and delinquent vehicle payments, tax debt, and delinquent child support. A chapter 13 costs $2,500 for a single person or for a married couple, but there may be more costs and fees. However, any additional costs and fees have to be approved by the court to be paid out of the money you send to the chapter 13 trustee. Chapter 13s can be very complex with a 3 or 5-year attorney-client relationship. Call me and we can talk about all that.