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ADOPTIONS LAW AND PUBLIC SAFETY LAW AND PUBLIC SAFETY (a) DIVISION ON CIVIL RIGHTS Notice of Readoption Regulations Pertaining to Discrimination on the Basis of Disability Readoption: N.J.A.C. 13:13Authority:
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Chapter 13 of the U.S. Bankruptcy Code allows individuals with a regular income to create a plan to repay all or part of their debts over a period of time, usually three to five years. State regulations may vary in the implementation and requirements of Chapter 13.
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The purpose of Chapter 13 is to allow individuals to reorganize their debts and provide a manageable plan for repayment, protecting them from creditors while they work towards financial stability.
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Debtors must report all secured and unsecured debts, income sources, monthly expenses, assets, and any executory contracts or leases.
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