 TITLE: What Are the Requirements for Bankruptcy? CONTENT: Who Qualifies for Chapter 13 Bankruptcy?\n----------------------------------------\nThe requirements for Chapter 13 bankruptcy differ from the requirements for Chapter 7 bankruptcy. Here are some of them.\n*   You must have sufficient income to make the monthly debt payments outlined in your bankruptcy plan.\n*   Your unsecured debts (such as credit cards and medical bills) must be less than $419,275, and your secured debts (like mortgage and car payments) must be less than $1,257,850. These dollar amounts are in effect until April 2022. Debt limits change every three years.\n*   If you attempted to file for Chapter 7 or 13 bankruptcy but your case was tossed out, you must wait 181 days or more before refiling.\n*   You must provide proof that you filed federal and state income tax returns for the past four years.\n*   You typically must finish an individual or group credit counseling course offered by an approved credit counseling agency within 180 days before you file for bankruptcy. END