About Us

This site was built by a married couple who lived through a Chapter 13 bankruptcy — all five years of it. We made the payments, watched the numbers, asked the questions that nobody seemed to answer directly, and eventually completed our plan. We know what it feels like to send a check to the trustee every month and wonder where it's going.

The National Data Center — NDC.org — is where the data lives. It's accurate, it's detailed, and it's almost completely opaque to the average person navigating their case. It tells you what happened, but not what it means. It doesn't tell you if you're on track. It doesn't tell you when you'll be done. It doesn't translate the codes and creditor names into plain English.

MyChapter13.org is the layer we wished existed when we were in our own plan. You download your files from NDC.org, drop them here, and get answers to the questions that actually matter:

• When will this be over?
• Am I on track, or at risk of dismissal?
• Where is my money actually going every month?
• Which creditors are paid off, and which still have a balance?

Everything runs in your browser. Your financial data never leaves your device — it is never uploaded to any server, never stored anywhere but your own computer. We built it this way deliberately. Your bankruptcy case is your business.

This is not legal advice and never will be. For questions about your specific case — especially anything related to dismissal, plan modifications, or discharge — talk to your attorney. If you don't have one, the r/Bankruptcy community on Reddit has seen nearly every situation and is genuinely helpful.

The core tool is free to use. Some features — deeper analysis, historical tracking, benchmarking against similar cases — will eventually be available as a paid tier. We built something we would have paid for ourselves, and we won't apologize for that. But the answers to the questions that matter most will always be here, at no cost.