Chapter 13, also referred to as the “wage earner’s” bankruptcy, allows a debtor with regular income to restructure his or her debts. Under Chapter 13, the debtor is allowed to keep property and pay off their debts over time, usually three to five years, while being protected from the collection efforts of creditors. The size of the plan payments are determined by the amount the debtor can afford after paying necessary living expenses. At the end of the plan period, the debtor may have paid off anywhere from 0 % to 100% of their pre-petition unsecured debt. The debtor receives a discharge if all the plan payments are made. The plan can be modified if at some point the debtor’s financial condition changes and they begin to earn more or less money than they did at the time of their plan confirmation.