With Chapter 13 bankruptcy, you get to enjoy the benefits of a repayment plan. There is so much to this plan, that you can even get a discharge on the debts, if you can successfully complete the repayment plan. Furthermore, you can also do away with both of your secured and unsecured debts. You can go on making the payments as per the payment plan over a period of 3 to 5 years. If you cannot pay down the debt in full within this period, the remaining debts get completely discharged. The repayment or rather commonly known as the reorganization plan, is designed on the basis of your financial affordability.