My clients often laugh when I refer to Chapter 13 bankruptcy as "magical" but for many people it is! Chapter 13 bankruptcy has done a lot of amazing things for many of my clients including:
1) Helping clients catch up on past due mortgage payments and car payments.
2) Stopping garnishments
3) Stopping bank levies/garnishments
4) Reducing the interest rate on car/truck loans
5) Helping clients catch up on past due lease payments
6) Stripping (erasing) 2nd mortgages from homes
7) Stopping creditors from sending bills, e-mails, and collection calls.