What is a chapter 13 case?
In a Chapter 13 case, the debtor proposes a plan to make payments to a Chapter 13 trustee over a period of time, normally five years. The trustee uses these payments to pay claims. A Chapter 13 trustee does not have authority to sell your property, but will require that you pay your creditors more than they would receive in a Chapter 7. The debtor becomes entitled to a discharge upon completion of the plan.
