Attorney David L. Ruben explains Chapter 13 Bankruptcy. David explains the circumstances of when Chapter 13 is utilized. David explains it is often utilized for clients behind on a mortgage, facing mounting medical bills or have consideration debt or credit card debt. He explains the reasons for the availability of this important step in our society and why you have this re-organization of debt to help you get back on your feet and become a functioning consumer in society. David Ruben has been an attorney specializing in Bankruptcy since 1991 and provides free consultations to anyone considering filing for bankruptcy. Local Maryland Bankruptcy lawyer offering FREE consultations! Get advice and tips on how to file for chapter 13 bankruptcy in Maryland.