Irony?

There's a commercial I hear often on the radio for a lawyer who handles worker's comp, and bankruptcies and things of that nature.

I really listened to it for the first time tonight.

At the end, the serious sounding announcer woman offers these encouraging words:

"There's no money down in Chapter 13 cases."

I may be mistaken, but doesn't the fact that someone is filing bankruptcy mean that the money is gone? That's it? No more? I don't have no money to do nothin'? Anyway, I just thought it ironic.