Chapter 13 bankruptcy begins with careful planning. You would confer with a bankruptcy attorney experienced with Chapter 13 matters to determine the type of plan that would best serve you. Everyone is different, there is no one way to write a chapter 13 plan. They are individualized and tailored to the individual consumer’s needs and goals. Once your goals are identified we would have you provide a list of debts, a number of documents, and a list of income and expenses. We would prepare a bankruptcy petition and a Chapter 13 plan which we file with court. Then we would appear before a chapter 13 trustee who will verify that all the information in the petition is complete and accurate and that the plan satisfies all the requirements of Chapter 13 bankruptcy law. You would then make payments to the Chapter 13 trustee, generally by payroll deduction, for a period of 3 to 5 years. During this period time, you are expected to make each and every payment on time and stay in contact with your attorney. At the end of the Chapter 13 case, you will receive a discharge and, with the exception of real estate mortgages, all of the debts listed in the Chapter 13 will either be paid or discharged according to the terms of the Chapter 13 plan.