The general answer to each of your questions is yes, everything you note can be accomplished in a Chapter 13 case and is done often. That said, however, whether it can be accomplished in your case depends on a number of factors that cannot be analyzed without an office meeting and some time working with data such as: household income, necessary household expenses, total debt amount, debt type, ... The scope of this space does not afford an opportunity to assess the situation and advise you. I recommend you assemble for legal consultation: (1) your income information for December 2013 through the present, including wages and unemployment during that period; (2) all your bills (copies neatly assembled, back pages included); (3) last two years' tax returns; (4) a credit report; and (5) other information that may apply, such as copies of lawsuits. Call at your earliest convenience to afford the most opportunity in which to be advised about your best course. You are not required to use an attorney in your area. I do not recommend filing bankruptcy on your own. There are too many complex issues. I have seen several posts on this site for debtors who filed on their own and are seeking counsel concerning complications. Most of them will have a hard time finding an attorney to get involved to unwind the mess without the attorney charging several times what would originally have been paid.
Answered on May 19th, 2014 at 11:00 AM