9) Chapter 13 Bankruptcy 9 ）第13章破产

You might be a good candidate for Chapter 13 bankruptcy if you find yourself in any of the following situations: 您可能是一个很好的候选人，第13章破产，如果你发现自己在任何下列情况：

1. You have a real and sincere desire to pay your debts back, but you need the protection of the bankruptcy court in order to do so. 1 。你有一个真正的真诚愿望和支付您的债务回来，但你需要保护的破产法院，以这样做。

2. You are behind on your mortgage or car loan, and want to make up for the missed payments over time. 2 。您在您的背后或汽车按揭贷款，并希望弥补失去的时间付款。 Chapter 7 bankruptcy won’t let you do this. 第7章破产不会让你这样做。 You can make up for missed payments only in Chapter 13 bankruptcy. 您可以弥补错过付款仅在第13章破产保护。

3. You will need help in order to repay your debts now, but want to be able to file for Chapter 7 bankruptcy in the near future. 3 。您需要帮助，以偿还您的债务，但希望能以文件的第7章破产在不久的将来。 This might be the case if for some reason you cannot stop adding to the debt. 这可能是如果由于某种原因，你不能停止增加了债务。

4. You are a family farmer who would like to pay off your debts, but you don’t qualify for a Chapter 12 family farming bankruptcy as you have big debt which is unrelated to farming. 4 。你是一个农民家庭谁要向你的债务，但你没有资格获得第12章破产的家庭农业作为你有大的债务是无关的耕作。

5. You have property which is valuable and not exempt. 5 。你的财产是有价值的，并不能免除。 When you declare yourself bankrupt through Chapter 7 bankruptcy, some of your property will be exempt from collection. 当你宣布自己破产通过第7章破产，您的一些财产将免除收集。 If you have a lot of nonexempt property, Chapter 13 bankruptcy might be the best option for you. 如果你有很多nonexempt财产，第13章的破产可能是最好的选择适合您。

6. You’ve received a Chapter 7 discharge within the previous six years. 6 。您已经收到了第7章履行在过去6年。

7. You have someone who is also in debt along with you. 7 。您已有人还谁的债务连同你。 If you file for Chapter 7 bankruptcy, your creditor will seek the co-debtor for payment should you not be able to pay. 如果您文件的第7章破产，您债权人将寻求共同债务人提出的支付如果您无法支付。 This will happen should you get credit with a co-signer. 会出现这种情况你应该得到信贷的共同签字。

8. You have a tax debt. 8 。您有税收债务。 If a big part of your debt consists in federal taxes, what happens to your tax debts might determine which type of bankruptcy is best suited for you. 如果一个大的一部分债务包括联邦税，会发生什么你的税债可能确定哪些类型的破产是最适合你。

9. If you fail with all these suggestions, then you can start to consider filing for Bankruptcy. 9 。如果你失败，所有这些建议，那么你可以开始考虑申请破产保护。

Go to the next page of our bankruptcy recovery guide: Starting Credit Rebuilding 转到下一个网页的破产复苏指南： 从信用重建