Chapter 13 is a useful method by which you can repay creditors as best as you can, while retaining your property. The filing of any bankruptcy provides you with protection by way of an "automatic stay", which means that your creditors must deal with you through your attorney. They may not call you, sue you, garnishee you or take any other action to collect their debts without court permission.

While you are in Chapter 13 bankruptcy, you may not incur any additional credit without court permission. An exception is made for emergency situations, such as medical emergencies. Past due post-petition utility bills are not considered emergencies and borrowing to cover such debts would be frowned upon by the courts. Likewise, you may not sell any of your property without court permission.

Upon the successful completion of your Chapter 13, you will receive a Discharge Order from the bankruptcy court. This means that your listed debts are considered discharged, even if they are not paid in full. This means that these creditors cannot attempt to collect these debts from you. Certain exceptions are made in such obligation, such as long-term mortgages, alimony and/or child support payments, and/or student loans.