About This Site
The Chapter 13 repayment plan is the centerpiece of every Chapter 13 bankruptcy case. It is a court-approved proposal that determines how much you pay, to whom, and for how long - typically 3 to 5 years. The plan governs everything from mortgage arrears to priority tax debts to unsecured creditor distributions. Chapter 13 also provides a powerful right to cure defaults on secured debts like mortgages and car loans, allowing you to catch up on missed payments through the plan.
This site will explain the requirements for a confirmable plan under Sections 1322 and 1325, including the best interests test, the projected disposable income test, and the treatment of secured, priority, and unsecured claims. We will break down plan modification rules under Section 1329 and what happens when circumstances change.
Whether you are trying to understand a plan your attorney proposed, evaluating whether to object to confirmation, or researching Chapter 13 plan structures as a legal professional, this site will provide clear, statute-grounded explanations of how plans work in practice.
Part of the Open Bankruptcy Project - a growing collection of free, open-source bankruptcy information sites built on public court data. No advertising, no lead generation, no attorney referral fees. Real information, no strings.
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