A Chapter 13 Bankruptcy is used most often when you have things that you need to pay for (mortgage, cars, equipment) but you just cannot keep up with the current payments or you got behind at some point and just cannot catch up. A chapter 13 often lets you pay for the items you want to keep while still being able to get rid of (discharge) some or all of your unsecured debt. For example, you miss several payments on your mortgage and your mortgage company will no longer accept your payments. A chapter 13 will allow you to make up those payments over time. Likewise, a chapter 13 can be used to save your car if you have fallen behind on payments and are afraid it will be repossessed.