If you are facing foreclosure, repossession, or garnishment, or if you owe back taxes, or student loans then a Chapter 13 bankruptcy (sometimes called Debtor's Court) may be the solution for you.  A Chapter 13 will, in most cases, stop foreclosures, garnishments and repossessions. A Chapter 13 is a debt consolidation repayment plan, based on income and expenses, and payments can be extended out to sixty months.  Chapter 13 generally works best for people who are trying to retain collateral which secures loans.