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How long will a Chapter 13 Bankruptcy plan last?

One’s Commitment Period may be to make Plan payments over either 36 or 60 months depending on whether one’s income is above or below the median income for the size of household in the area in which one lives, based upon IRS guidelines. Within this range, it may be possible to make adjustments in certain circumstances. It is possible to pay off one’s Plan early. If the court confirms a Plan that provides for payment of less than 100% of the amount due to the unsecured creditors, the unpaid balance is discharged (wiped out) after completion of the Plan.

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