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NEW YORK — Tax filing day is just around the corner, but some Americans may not be ready to submit their returns by April 15. Others may not have the cash to pay the tax they owe. Ignoring the deadline can cost workers plenty in penalties and interest. And this year, it also could delay their rebates, because the government's promised stimulus program checks are being calculated off federal tax returns. "People know April 15 is the deadline," said Greg Rosica, co-author of The Ernst & ....

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Chapter 13 bankruptcy allows an individual to pay off his debt over time. The process starts when the individual files a petition with the bankruptcy court. This petition includes a complete list of all the individual's debts and assets. Additionally, the petition must include a payment plan that describes how the debt will be paid off over the next three to five years.


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