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* This Internet site is provided as a public service to the community served by the Standing Trustee of San Fernando Valley and the Northern Division. * Chapter 13 is a section of the Bankruptcy Code which helps qualified individuals (or small proprietary business owners) who desire to repay their creditors but are in financial difficulty. * Chapter 13 protects individuals from the collection efforts of creditors; permits individuals to keep their real estate and personal property; establish a plan to repay their debts through reduced payments. * During the period of the plan the individual is called a "debtor". The size of the plan payments are determined by the amount the debtor can afford after paying necessary living expenses.