A debtor may file a chapter 13 bankruptcy for a variety of reasons. Your income may be too high to qualify to file a chapter 7 bankruptcy. You may have filed a chapter 7 bankruptcy within the last 8 years and may not be eligible to file another chapter 7 bankruptcy. You may be trying to stop foreclosure on your home or stop and automobile repossession. You may be trying to resolve tax issues that would not be resolved in other forms of bankruptcy. You may want to eliminate a second mortgage on your home if there is no equity in your home to which the mortgage may attach.