'''Chapter 13''' of the [[Bankruptcy Code]] provides for adjustment of [[debt]]s of an individual with regular income, often referred to as a "wage-earner" plan. Chapter 13 allows a debtor to keep property and use his or her disposable income to pay debts over time, usually three to five years. | '''Chapter 13''' of the [[Bankruptcy Code]] provides for adjustment of [[debt]]s of an individual with regular income, often referred to as a "wage-earner" plan. Chapter 13 allows a debtor to keep property and use his or her disposable income to pay debts over time, usually three to five years. |