Do you have student loans that are past due? A Chapter 13 Bankruptcy can help you have some breathing room during the 3 to 5 year period the case is open. While student loans are typically not dischargeable, during the pendency of your case, creditors are not allowed to attempt to collect from you due to the automatic stay. This gives debtors with student loans some breathing room from unwanted phone calls and the threat of garnishment. As such, if you have mounting student loan debt and just want a break from creditor harassment, Chapter 13 might be a great option for you.