Chapter 13 and Chapter 11 are very similar in that both of those bankruptcies are what’s called a re-organization bankruptcy. The goal is to re-organize your debts over a period of time, and those periods can vary, depending on what’s going on, but it’s usually three to five years when we can stretch those debts in different categories, different ways of paying things off, monthly payments as it would be. A 13 is neat in that it comes with a pre-packaged plan, so to speak, in that you don’t have to do fancy disclosures, statements. You don’t have to get the votes of your creditors. You fill in the pre-packaged plan which are complicated, but they’re pre-packaged. As long as you meet the law and the requirements, the plan is approved. An 11, on the other hand, in a bankruptcy is much more complex. There is no pre-packaged plan.
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