Ch. 13 vs. Ch 7 ?



I just want to make sure I have this right...I have some debt. Enough that I
can't pay any collectors the full amount, but not enough to make me really
want to file Ch. 7. But what exactly does Ch. 13 do? My understanding of
it is that you go into court and the judge makes a payment plan over 3 years
based on your expandable income, right? I mean, if some places will not
accept a payment plan, does this force them to do so? Wouldn't this make
some places happy as they are slowly getting their money over not getting it
at all? Half of my/our income is social security, my husband's and then the
other half is his work paycheck. I am planning on going back to school in
January and won't be employed for the next 4 to 6 years. Do they count my
husband's income if I filed? We live in Wyoming. Since Social Security can't
be garnished will they only look at my husband's income (If that counts) and
then what we pay out every month in bills (rent, food, car payment,
insurance etc.)?




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