Chapter 13 Bankruptcy makes sense when a person needs to catch-up or pay priority debt (taxes). Under the law, Chapter 13 provides up to 5 years to pay required debts. Chapter 13 cases can be filed quickly to stop foreclosure and/or garnishment. More, Chapter 13 is a flexible chapter i.e. A person’s Plan can be adjusted if income changes. Moreover, a case can be converted if the situation requires it.