"Chapter 13" refers to Chapter 13 of the United States Bankruptcy Code (Title 11). In Chapter 13 cases, the debtor proposes a plan to pay back at least some of the debts that are owed. Chapter 13 is often used when Chapter 7 is unavailable for some reason, e.g., if the debtor's income is too high to qualify for a Chapter 7. Chapter 13 also has many benefits over Chapter 7 as described in more detail below. In a Chapter 13, the debtor keeps all of his property, but pays a set amount each month to the Trustee pursuant to a Chapter 13 Plan the debtor proposes. Chapter 13 Plans usually last 3 to 5 years. After all of the Plan payments have been made, the debtor receives a discharge of even more debts than would be discharged in a Chapter 13 (see below for more information). Chapter 13 is more complicated than Chapter 7 and care should be taken in deciding whether to file Chapter 13.