Dawn M. Hardesty
Chapter 13 Trustee

Chapter 13 is a chapter of the bankruptcy code.

Individuals with regular income and debts below a statutory level can utilize chapter 13 to reorganize their debts through a bankruptcy plan. The bankruptcy plan generally requires debtors to make payments for three to five years, and at the end of the three to five years many debts are forgiven.

Chapter 13 trustees are appointed by the United States Trustee, an office of the United States Department of Justice.