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watch as you chapter 13 plan payment going to be this is an awful question because it's fairly complicated we'll start with the easiest one let's say you're below median income and you file a chapter 13 you're proposing a base plan just to wipe out your debts your base plan is going to be about $100 a month for three years what happens in chapter 13 is we look at your income if your income is above the median level you may have some disposable income to pay your creditors back if your income is below the median level basically your chapter 13 plan payment pays enough money to pay the bankruptcy trustee handling fee and pay your bankruptcy attorney his chapter 13 fees the creditors generally get almost nothing on the dollar that's the simplest case of low median chapter 13 now let's make it more complicated let's say you have $12,000 of tax debt then let's stretch you plan out to a 60 month plan 60 goes into twelve two hundred dollars a month your payment will be at least two hundred do

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