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foreign [Music] what is the truth about Chapter 13 Bankruptcy hi my name is Jonathan Ginsberg Im an Atlanta area personal bankruptcy attorney representing chapter 7 and chapter 13 clients for well over 25 years and I want to talk to you today about chapter 13 bankruptcy and really the real story about what I think about chapter 13 because again Ive done a lot of them and I really have some real concerns about the viability of them and so when somebody wants to file chapter 13 or needs to file one to stop a repossession or foreclosure I try to have a very Frank talk with them and I want to have that talk with you today this is also prompted by a video that I saw and Im going to put a link to it in the the description here by the comedian John Oliver and he talked about kind of the Screwed Up bankruptcy system in this country and the point he makes and and I think I agree with this wholeheartedly is the bankruptcy law was designed by lenders a particular credit card companies it wasn