Chapter 13 debtors are required to submit a repayment plan that must be approved by the bankruptcy court. The plan sets forth how you intend to treat your creditors in your bankruptcy case. The Chapter 13 plan is for a period of three to five years, depending on the amount of debt you intend to repay. This amount of time means that even with the planning every aspect of your repayment plan, you can still encounter changes in life circumstances and other problems.
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