Filing chapter 13 is often the only way out of overwhelming debt for debtors who earn an income that is enough to allow them to maintain a repayment plan. During the process of filing chapter 13, a debtor submits a reconstruction plan to the court that proposes how he will repay his debts over time. If the court approves this plan, the debtor actually avoids the liquidation of his assets by filing chapter 13, and can regain control of his finances by adhering to his repayment plan. So how do you file chapter 13?