The United States Bankruptcy Code will give the debtor a time span of 5 years in order to pay your debts off. 美国破产法将债务人的时间跨度为5年，以支付您的债务了。 Whilst the attorney who represents you will safeguard your interests, the entire procedure will be carried out under the court’s supervision. 虽然律师谁代表你会保护您的利益，整个过程将开展法院的监督。

Whilst debtors are allowed to keep all of their property, considered an asset, the court will have to pre-approve a new interest-free plan for debt repayment. 虽然债务人可以保留所有的财产，视为一种资产，法院将不得不预先核准一个新的无息贷款计划偿还债务。 A written plan will be created which will outline all of the expected transactions, as well as the expected duration. 一份书面计划，将建立将大纲所有的预期交易，以及预期的时间。

The repayment must start within thirty to forty-five days after the case has begun. 还款必须开始在30至45天内的情况后，已经开始。 You won’t have to deal with the transitory stage of having a middle man do the payment like you might get in a Chapter 7 Bankruptcy. 你不会要处理过渡阶段的中间有一个人做的缴付喜欢你可能会在第7章破产。 Despite the fact that in some cases people might involve a trustee who would be in charge of paying out the money to the creditors if they wish to do so. 尽管在某些情况下，人们可能会涉及受托人谁是负责支付这笔钱的债权人，如果他们愿意这样做。

Following the law, the creditors must very strictly stick to the repayment plan that is court approved and they cannot collect any personal claims from the debtor. 继法，债权人必须非常严格坚持还款计划，法院的批准，他们可以不收集任何个人债权债务人。 Your attorney will prepare a new repayment plan that will work best for you. 您的律师将编写一份新的还款计划，将工作最适合你。

The one benefit of Chapter 13 over Chapter 7 Bankruptcy is the complete discharge option that isn’t available in chapter 7. 一个造福于第13章的第7章破产是完全履行选择，并不适用于第7章。 For instance, if a debtor is able to complete all of their payments that are set up in the plan, he/she will be given a full plan discharge. 例如，如果债务人是能够完成所有的款项设立的计划，他/她将得到一个全面的计划出院。 Also repayment can be created even if creditors don’t agree with it, as long as it is approved by the Court. 此外还款可以创造，即使债权人不同意，因为只要是批准了法院。
In order to be eligible for chapter 13 bankruptcy, you must have an income which is regular. 为了有资格获得第13章破产保护，你必须有一个收入是经常。 There are a few other items required for filing a Chapter 13 Bankruptcy. 有几个其他项目需要提交第13章破产。 Just ask your lawyer to describe them to you. 只要问你的律师来形容他们给你。

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