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What Is a Chapter 13 Bankruptcy?
When an individual claims they’re bankrupt, it’s typically a Chapter 13 bankruptcy, according to the United States Courts website. Learn the pros and cons of a Chapter 13 bankruptcy.
The Different Types of Bankruptcies
Besides Chapter 13, there are Chapter 7 and Chapter 11 bankruptcies. Here are the differences when you file for bankruptcy, according to Credit.com:
- Chapter 13: Filing Chapter 13 allows you to eliminate debts or pay off some, but not all, of your debts. You can spread out payments over a period of three to five years.
- Chapter 7: Filing Chapter 7 means you can surrender and liquidate your assets in order to eliminate your unsecured debts, such as personal loans and credit cards. No repayment plan is necessary.
- Chapter 11: A business typically files for Chapter 11. This type of bankruptcy allows a company to restructure and pay debts while the business continues to run.
The Pros of a Chapter 13 Bankruptcy
Though it’s never too pleasant to file for bankruptcy, there may be a silver lining in Chapter 13. Here are some advantages of Chapter 13:
- You’ll still have your home. Chapter 13 stops the foreclosure proceedings from moving forward on your home, according to the United States Courts site.
- You have the chance to reschedule payments of secured debts other than your mortgage over the length of the bankruptcy. This may help to lower monthly payments.
- If there’s a co-signer on one of your loans, that third party is protected under a Chapter 13 bankruptcy.
- A trustee assigned to your bankruptcy distributes payments to creditors.
The Cons of a Chapter 13 Bankruptcy
Chapter 13 has its downsides. Here are the disadvantages of filing for Chapter 13:
- You must have received credit counseling from an approved agency within 180 days before filing for Chapter 13, according to the United States Courts website.
- If you’ve had any prior bankruptcy petition that was dismissed because you failed to appear in court, you are not eligible for Chapter 13.
- You have to pay your debts out of your disposable income so you’ll be without “extra” cash while under Chapter 13 protection, according to FindLaw.
- A Chapter 13 filing will remain on your credit report for up to 10 years, says FindLaw.
- You can’t hold credit cards under Chapter 13, states FindLaw.
What Chapter 13 Can’t Do
Bankruptcy is a serious filing. When you file for Chapter 13, you still need to do the following, according to FindLaw:
- You still need to pay alimony and/or child support.
- You still need to pay your student loan debt.
- You still need to pay at least some of your debts off.
How to File for Chapter 13
If you’ve decided Chapter 13 is the right choice bankruptcy for you to file, take these steps, according to NOLO:
- Take a mandatory credit counseling course.
- Value your property to protect it.
- Determine your income to see if it covers a repayment plan.
- Fill out bankruptcy forms and pay your filing fee at the correct court for your district.
- Provide the trustee with documents proving your assets and income.
- Attend mandatory hearings.
- Make your payments to the trustee.
- Take the second mandatory class (the debtor education course) close to completion of your repayment plan.
- Get your bankruptcy discharge when done with repayment.
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Writing Dissertation Chapter 5: The Biggest Mistake Students Make
Published by steve tippins on june 4, 2020 june 4, 2020.
Last Updated on: 29th August 2022, 08:29 am
Chapter 5 of your dissertation is different from all of the previous four chapters.
If you’re beginning to write Chapter 5 of your dissertation, you know that most of the writing you’ve done up until now was fairly formulaic. You’ve probably been following templates with strict requirements about what needs to be included in each section and subsection. Even in Chapter 5, many schools will give you a template. But don’t let that fool you.
Regardless of whether you receive a rubric for it, Chapter 5 of your dissertation is unique.
Your dissertation’s Chapter 5 is where you get to be more individualistic than in any other chapter and really “sing your song.” Why? It’s where you tell the reader what your results mean. Not just what they are, but what they mean. You tell them what they should take away from your study. You describe how your results can help others in the world or in the field.
The Most Common Mistake Students Make When Writing Chapter 5 of Their Dissertation

The biggest mistake students make when writing their dissertation’s Chapter 5 is not writing enough. In fact, students often submit an “implications” section that’s only a few paragraphs.
As a committee member , it’s hard to see someone who has spent a year on a research topic and written 100+ pages about it and then get to the implications in Chapter 5 and see two paragraphs. This begs the question, “You mean this is all you have to say?”
Don’t cheat yourself in Chapter 5. Really explain and tell the story of what your results mean.
This is where you get to bring out your intellectual curiosity and help others really understand what you did and why you did it, what it means, and why it’s important. Of course, you’ll need to do this all within the guidelines of what your university will allow you to do.
Normally Chapter 5 of a dissertation is about 15-20 pages. If it’s under ten pages, you’re really underselling your research. When you get to around 30-40 pages, your committee is going to wonder, “did all this come from your study?” or “couldn’t this have been said more succinctly?”
Tips for Writing Dissertation Chapter 5

Reference the Literature. If you’re stumped for things to write, look at what you said in Chapter 2 and tell the reader what your results mean in relation to what the researchers you quoted in Chapter 2 were talking about.l How you have added knowledge to the field?
Consider Your Defense. When you do the defense of your final document, Chapter 5 is where you end up at the end of your presentation. This is the last thing you talk about before you get to questions, and it’s where you may be able to answer questions before they come up.
Address Your Problem and Purpose. Don’t forget to remind the reader what your problem statement and research questions were at the beginning of Chapter 5. Explain how your results apply to the problem and purpose.
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Back Everything Up. Also remember that even though it’s your chance to interpret and even express yourself, you still have to back everything up. Use quotes or data points from your results section and relate it to other research.
Use a Bird’s Eye View. This is where you can use graphics, charts, graphs, or other data that are much broader in scope than you might use elsewhere. In Chapter 4, for example, you’re going to use a graph that specifically relates to a statistical test you did. In Chapter 5, you might use one that’s broader in scope if it fits the flow of what you’re writing.
Tell a story. While other chapters might have been written in more of a compartmentalized style because of their formulaic nature, in Chapter 5 you’re really telling the story of your research. In line with that, the writing will need more of a flow.
Dissertation Chapter 5 Sample Template With Explanations

Introduction
In the introduction, tell the reader what they’re going to learn in Chapter 5. Reiterate the problem and purpose statements and your research questions and, if appropriate, reference the results from Chapter 4.
Implications
This is where you tell people here’s what the results of your study mean and why they are important. It also acts as a summary or “summing up” of the data. “These people said this,” or “this statistic was significant.” Make sure to support what you say with the research findings and avoid drawing conclusions that are beyond the scope of the study results.
Then discuss the real-world application of your findings. For example, “This is an approach that could be used by schools to help autistic children have better learning outcomes,” or “this is a technique that investors can use to predict valuable stock market returns.” Again, make sure to stay within the scope of your study.
Place your study in context. Describe how the results respond to the study problem, align with the purpose, demonstrate significance, and contribute to the existing literature described in Chapter 2.

Recommendations
The recommendations section is where you get to say, “and if you want to take this further, here are some suggestions for ways that this could be broadened or enhanced.” Here are some examples of what these suggestions could look like:
- Different samples and populations
- Ways to get at any limitations you reported in your study
- Different approaches: qualitative if your study was quantitative, or quantitative if yours was qualitative, for example. Describe approaches that would be complementary to your study.
- Related research that you’re already working on. Sometimes researchers work on multiple complementary projects simultaneously. Occasionally, they’ll include another related study that they’re working on in their recommendations section. This establishes a clear path of knowledge.
- Practical, real-world suggestions. “Here are some recommendations for how this research could be used in the real world.”
The conclusion of Chapter 5 is where you get to wrap up your story. “And so, boys and girls, this is what all this came down to.” Okay, you might not want to phrase it like that. But that’s essentially what you’re doing.
Don’t try to add new information in the conclusion. Remember, it’s like a speech: tell them what you’re going to tell them, tell them, then tell them what you told them.
Finishing Your Dissertation
Writing Chapter 5 and defending your dissertation is a big step towards getting your degree. Many students benefit from the support of a coach who is an experienced Dissertation Committee Chair at this point. A coach can conduct a mock defense with you in order to prepare you for the types of questions your committee will ask. Having answers to these questions can determine whether or not you pass your defense.
Check out my dissertation coaching services or contact me to book a free 30-minute consultation.
Book a Free Consultation
Book a Free Consultation with one of our expert coaches today.
Steve Tippins
Steve Tippins, PhD, has thrived in academia for over thirty years. He continues to love teaching in addition to coaching recent PhD graduates as well as students writing their dissertations. Learn more about his dissertation coaching and career coaching services. Book a Free Consultation with Steve Tippins
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- Introduction for Types of Dissertations
- Overview of the Dissertation
- Self-Assessment Exercise
- What is a Dissertation Committee
- Different Types of Dissertations
- Introduction for Overview of the Dissertation Process
- Responsibilities: the Chair, the Team and You
- Sorting Exercise
- Stages of a Dissertation
- Managing Your Time
- Create Your Own Timeline
- Working with a Writing Partner
- Key Deadlines
- Self Assessment Exercise
- Additional Resources
- Purpose and Goals
- Read and Evaluate Chapter 1 Exemplars
- Draft an Introduction of the Study
- Outline the Background of the Problem
- Draft your Statement of the Problem
- Draft your Purpose of the Study
- Draft your Significance of the Study
- List the Possible Limitations and Delimitations
- Explicate the Definition of Terms
- Outline the Organization of the Study
- Recommended Resources and Readings
- Purpose of the Literature Review
- What is the Literature?
- Article Summary Table
- Writing a Short Literature Review
- Outline for Literature Review
- Synthesizing the Literature Review
- Purpose of the Methodology Chapter
- Topics to Include
- Preparing to Write the Methodology Chapter
- Confidentiality
- Building the Components for Chapter Three
- Preparing for Your Qualifying Exam (aka Proposal Defense)
- What is Needed for Your Proposal Defense?
- Submitting Your Best Draft
- Preparing Your Abstract for IRB
- Use of Self-Assessment
- Preparing Your PowerPoint
- During Your Proposal Defense
- After Your Proposal Defense
- Pre-observation – Issues to consider
- During Observations
- Wrapping Up
- Recommended Resources and Readings (Qualitative)
- Quantitative Data Collection
- Recommended Resources and Readings (Quantitative)
- Qualitative: Before you Start
- Qualitative: During Analysis
- Qualitative: After Analysis
- Qualitative: Recommended Resources and Readings
- Quantitative: Deciding on the Right Analysis
- Quantitative: Data Management and Cleaning
- Quantitative: Keep Track of your Analysis
- The Purpose of Chapter 4
- The Elements of Chapter 4
- Presenting Results (Quantitative)
- Presenting Findings (Qualitative)
- Chapter 4 Considerations
- The Purpose of Chapter 5
- Preparing Your Abstract for the Graduate School
- Draft the Introduction for Chapter 5
- Draft the Summary of Findings
- Draft Implications for Practice
- Draft your Recommendations for Research
- Draft your Conclusions
- What is Needed
- What Happens During the Final Defense?
- What Happens After the Final Defense?
The Purpose of Chapter 5 Topic 2: Chapter 5

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Dissertation- Chapter 5: Discussion, Implications, Conclusions

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to changes in the sample, as discussed in the sensitivity analyses presented in Appendix