So that you can save your home and car immediately, get control of all debt and stop foreclosure, save cars from repossession, stop tax levies, student loan collection and compromise other debts like credit cards, medical bills, payday loans and utility bills. Filing for Chapter 13 Bankruptcy will protect you, while you restructure, reorganize and present a payment plan to repay creditors. Recent changes in the law were aimed at helping individuals enter into a Chapter 13 repayment arrangement. ESSERLAW LLC takes pride in helping families and individuals get the most out of chapter 13 bankruptcy. Our experienced team works with you to fully evaluate your situation and design a plan to fit your budget.