Chapter 13 is a type of federal bankruptcy proceeding available to individuals and sole proprietorship businesses used to reorganize or eliminate debt. You file a repayment plan with the bankruptcy court that provides for you to pay all, or a percentage, of your debts, usually over a three to five year period. The repayment plan, also called the “Chapter 13 plan,” is based on the results of the Means Test. We will perform a Means Test for you at your first consultation. You are under the protection of the bankruptcy court, and payments are made to a Chapter 13 trustee, who then pays your creditors according to the plan.