Chapter 13 cases involve a payment plan over 3 to 5 years.  No case may be completed in less than 3 years (unless an undue hardship exists), nor may the plan extend beyond 5 years.

Since 2005, the Bankruptcy Code now requires that debtors whose income is above the median family income levels to remain

Chapter 13 cases provide for a monthly payment to a bankruptcy trustee over a 3 to 5 year period of time.  Generally, a person files Chapter 13 when their income is too high to qualify for Chapter 7 or if they are disqualified from filing Chapter 7 due to a prior bankruptcy being filed in