I have to file a Chapter 13 case. How long am I going to have to be involved in that? Well the answer to that question is, like so many lawyers say, it depends. It depends upon your income, your assets, and whether not you have priority non-dischargeable claims. Ideally if your income is below the median income from your state, then you can have a 36-month plan.

For most other people, and really for most debtors, the Chapter 13 plan goes 60 months, and that’s how long you have to pay over all of your net disposable income to a Chapter 13 trustee in order to discharge your dischargeable debits.