Jon Ginter was recently featured on Cleveland.com.
This question is anything but simple, and should be discussed thoroughly when I personally speak with you at our initial consultation; however, the common Chapter 13 reorganization filer is either:
b)making more than the “median income” as determined by the IRS for the state of Ohio,
c)wanting to strip off a second/third mortgage on real estate, or
d)needing to pay back non-dischargeable tax debts.
Contrast this with the common Chapter 7 filer who makes under the IRS median income and seeks a quick legal procedure to gain a fresh start with their credit history.