A more thorough explanation:

Definition: Chapter-surfing is a term used to describe the movement of a debtor from one chapter of the United States Bankruptcy Code to another.

Example: If a debtor initially files for bankruptcy under Chapter 7, but later decides to switch to Chapter 13, they are said to be chapter-surfing.

Explanation: Chapter-surfing occurs when a debtor changes their bankruptcy filing from one chapter to another. This can happen for various reasons, such as a change in financial circumstances or a desire to take advantage of different bankruptcy provisions. The example illustrates how a debtor who initially filed for Chapter 7 bankruptcy may later decide to switch to Chapter 13 bankruptcy, which allows them to restructure their debts and pay them off over time.