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How Long Will My Chapter 13 Last?

All Chapter 13 cases last a minimum of 3 years, unless all your debts are repaid prior to that time. Cases can last up to a maximum of 5 years. If your case has lasted more than 3 years, it is because you are still repaying secured, priority, administrative and/or non-exempt equity claims to your creditors.

A case amortization document will be given to you when your case is initially filed. If your case is lasting longer than we initially estimated, it is typically because your plan payments decreased, some plan payments were missed or your claims were higher than originally estimated. You cannot overpay your bankruptcy case. The Chapter 13 Trustee is responsible to insure that all claims are administered according to the Plan and will give you a final accounting at the conclusion of your case. If you paid more than was necessary, it will be refunded to you.

If you want to know how much longer your case will last, in general, please visit the National Data Center website to obtain a user login and access your case information.

If you are wanting to pay off your case before 3 years, you are required to pay all creditors in full. If your case has lasted longer than 3 years and you believe that you have the funds to pay off the remainder of your case in lump sum, please send me a written request for the payoff amount of your case and the source of your funds (home refinance, 401k loan, tax refund, etc.) and I will file a Motion for Payoff with the Bankruptcy Court.


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