If you have a low or unsteady income, then you will not be eligible for getting the benefits that Chapter 13 bankruptcy provides. If you are employed and have a steady income which can be used to pay some or most of the debts that you have, then you will eligible for this Chapter 13 bankruptcy. You might not be eligible for Chapter 13 if you have a lot of debt. A secured debt amounting to more than $1,010,650 and an unsecured debt of over $336,900 does not provide you the chance to go for Chapter 13 bankruptcy.