Every Chapter 13 bankruptcy requires a Plan of Reorganization that:

• Runs for 3 to 5 years (never longer than 5 years)
• Is reviewed by a court-appointed trustee and creditors
• Demonstrates all available disposable income is being used to repay creditors

Repayment amounts typically range from 1-2% up to 100% of the total debt. The required repayment amount depends on your household income compared to the median income for similar households in your area. The further above the median income, the higher the required repayment percentage.