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Which of the following describes a chapter 13 bankruptcy?

a) all assets are liquidated and used to pay creditors
b) reorganizations can be used by individuals with debts less than $1 m
c) the entity is given time to reorganize its financial affairs, settle debts, and continue operations
d) debtors receive all their payments up from from liquidated assets

User Ted Goas
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1 Answer

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Final answer:

Chapter 13 bankruptcy allows individuals to retain assets and set up a repayment plan, differing from asset liquidation bankruptcies and is suitable for those with debts under a certain limit. It gives an entity time to reorganize financial affairs and settle debts.

Step-by-step explanation:

The description that fits a Chapter 13 bankruptcy is: the entity is given time to reorganize its financial affairs, settle debts, and continue operations. Rather than liquidating all assets as in a Chapter 7 bankruptcy, Chapter 13 allows individuals to retain their assets and set up a repayment plan to pay off their debts over a specified period, which can be up to five years. This type of bankruptcy is designed for individuals with a regular source of income, and it aims to help them handle their financial burdens more effectively. In contrast to corporations, which may file for Chapter 11 to reorganize, Chapter 13 is specifically for individuals with debts less than a certain limit; however, it is different from the asset liquidation described in options (a) and (d) and is not restricted to debts less than $1 million like option (b).

User Thuan
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