As of June 21, 2024, the debt limits for individuals filing chapter 13 bankruptcy have reverted to pre-pandemic levels, as Congress has not elected to extend them as of the time of this writing. Accordingly, 11 U.S.C. §109(e) requires individuals filing chapter 13 bankruptcy to have less than $465,275 in unsecured debt and $1,395,875 in secured debt, or the chapter 13 case may be subject to dismissal or conversion for non-compliance. 11 U.S.C. §109(e) (2024). This means that individuals seeking chapter 13 bankruptcy protection in areas with higher property values, like Palo Alto, Mountain View, Los Altos, Sunnyvale, Menlo Park, and other parts of the San Francisco Bay Area served by Nova Law Group, may increasingly need to file in chapter 11, instead of chapter 13, if a reorganization bankruptcy is desired.