When an individual decides to file Chapter 13 bankruptcy, he or she is filing reorganization bankruptcy. Under this type of bankruptcy, the debt owed restructures into a payment method that allows the debtor to make repayment on that debt. In some cases, the debt owed will reduce, depending on the state's laws and the type of debt. Individuals must file a petition with the bankruptcy court in their county to start the process. This generally occurs through the help of their attorney, though individuals can file bankruptcy themselves. This petition outlines all assets and liabilities, incomes, executor contracts, unexpired leases and other financially relevant information. Once fees are paid, a plan of repayment is then in place through the court system. A meeting of creditors happens within two months of the filing of the petition that allows creditors to question the case. After this, the repayment plan goes into effect.