Raj: Chapter 13 is a reorganization, and there are many different reasons for Chapter 13. I'd say the most common is somebody who is facing a foreclosure and they don't have enough money to bring their mortgage loan current.
The Chapter 13 gives them the ability to reorganize their arrears and pay back the arrears over a period of time.
Greg: When people come to us and they're behind on their mortgage or they have debt that would otherwise not be dischargeable in Chapter 7, Chapter 13 might be a great option.
And also sometimes we use Chapter 13 to strip off second mortgages, or if somebody has too much income or too many assets.