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Rich’s Enterprises, LLC,, which owns and operates Chapter 13, is not a legal or financial advisor. They are not bankruptcy attorneys, a debt collection company, or a credit repair organization. is a self-help site that offers free information to help consumers become educated about bankruptcy. All information contained herein is designed specifically for consumers who, through their efforts, wish to better understand the bankruptcy process before deciding whether to choose bankruptcy or an alternative financial solution.

Legal information is NOT the same as legal advice.

CAUTION: The use of any information contained herein, such as opinions, instructions, suggestions, advice, letters, and other similar content is at the user’s own risk. You are strongly encouraged to consult with legal and financial professionals, especially bankruptcy attorneys, before making any decision that could have legal or financial consequences to you.

The information provided on is for educational and informational purposes only, and any advice or comments made by any agent or employee of Rich’s Enterprises are intended only to educate and assist visitors in their self-help efforts while learning about the bankruptcy process.

Access to this web site and all information contained herein is free with the understanding that the authors and publishers are not engaged in rendering legal or financial advice or providing bankruptcy or credit repair services. As such, readers should not use the information provided on this site as a substitute for professional counseling and advice from certified legal or financial professionals.