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A: It may be possible to modify your Chapter 13 bankruptcy plan payments or file a Motion for Moratorium depending on the amount of time you will be out of work or on a reduced income. Unfortunately, not all clients may be eligible for a modification.
1 The Chapter 13 Repayment Plan. 2  The Chapter 13 plan is the crux of your bankruptcy case. 3  The Confirmation Hearing. 4  You must get your plan confirmed at a confirmation hearing. 5  Here's what happens. The duration of your Chapter 13 repayment plan depends on your monthly income and how much time you need to make required plan payments. 2  Completing Form 22C in Chapter 13 Bankruptcy. 3  On Form 22C, you calculate your disposable income and determine how long your Chapter 13 plan must last.