What is a Chapter 13 Bankruptcy? The Chapter 13 bankruptcy means you will make payments on a monthly basis for up to sixty months to a case administrator known as a Trustee. This is the bankruptcy you file when you either do not qualify for Chapter 7, or you have priority debts like the IRS, child support, etc. that cannot be eliminated under Chapter 7 bankruptcy. Your attorney may advise you to do a Chapter 13 if you have IRS taxes, child support or alimony arrearages, or other non-dischargeable debt.