Recommending Chapter 13 Bankruptcy For Elizabeth Sanford

This is the case of Elizabeth Sanford who comes from Berwyn, Illinois which is located in Cook County, Illinois.  Elizabeth Sanford has never filed for bankruptcy before, either a Chapter 7 or Chapter 13.  She owns no real estate.  She is currently renting and she is in a yearly lease which expires in March.  She owns a 2007 Mercury Montego which she wishes to surrender.  The finance company is Capital One.  It’s got 150,000 miles on the vehicle and she owes $13,000 on it.  Even though she is current, she wants to surrender and get out of that debt.  She also has a Pontiac through Regional Acceptance and that vehicle she wants to keep because there is a co-debtor and she does not want to see the creditor go after the co-debtor.
She has a checking and savings account at Chase with approximately $60 in both.  She has a security deposit of $900 per month.  She has household goods at $400 per month and normal clothing at $500 per month.  Other than that, she owns no other personal property, no stocks, no bonds, no retirement; no tax refunds expected, no animals.  She is currently single, she has no dependents.  She has been working the past two years as a collection manager earning approximately $55,000 per year.  It works out to approximately $2800 per month plus commission.  In terms of expenses, they total about $2300 per month which includes $900 for rent, $150 for cell phone $150 for laundry, $200 for transportation, $125 for auto insurance and $398 for auto payments.
In the last three years, she has made anywhere from $13,000-$50,000.  She did receive unemployment a couple years back.  She had to close a checking account last year and she has got a couple other addresses in the last four years, one in Chicago, one in DeKalb, Illinois.  She does not owe for student loans but she does have tax debt, federal tax debt owed from 2002 to the present totaling $15,000.
So what I am seeing here is a potential Chapter 13 where over the course of 3 to 5 years, this individual can pay back either all or more likely a portion of the debt that is owed to the creditors.  So a Chapter 13 is my strong recommendation for Ms. Sanford from Berwyn, Illinois.