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Bankruptcy is a way to deal with mounting debts you can no longer manage. While most repayment plans must last at least three or five years, you can propose a shorter plan if it pays off all of your unsecured debts such as credit cards and medical bills in full. The information provided on this site is not legal advice, does not constitute a lawyer referral service, and no attorney-client or confidential relationship is or will be formed by use of the site.
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Please reference the Terms of Use and the Supplemental Terms for specific information related to your state. Lawyer Directory. Call us at 1 The length of your Chapter 13 repayment plan will be between three and five years, depending on your income and the amount of time you need to pay off the debts included in your plan.
Quickly Determining Chapter 13 Repayment Plan Length Chapter 13 bankruptcy allows debtors to reorganize their debts, catch up on missed mortgage or car loan payments, and pay off other obligations through a repayment plan. When You Need Smaller Monthly Repayment Plan Payments If you are a below-median income debtor who qualifies for a three-year repayment period, chances are you filed for Chapter 13 bankruptcy to catch up on an obligation that you can't eliminate in Chapter 7 bankruptcy—such as missed mortgage payments or other priority debt that the debtor must pay back in full.
A Chapter 13 Repayment Plan Can Be Shorter Than Three Years While most repayment plans must last at least three or five years, you can propose a shorter plan if it pays off all of your unsecured debts such as credit cards and medical bills in full.
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