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This is especially for debtors whose income is regular and who want to adjust the debts by repaying over a span of 3 to 5 years. Chapter 13 Introduction The Chapter 13 Bankruptcy is known as a plan for wage earners. This plan facilitates the debtors with stable income to repay the part of or all the debt through installments over a period of 3 to 5 years. The duration of chapter 13 bankruptcies can be 3 years if the present monthly income of the debtor is less than the state median tha