A Chapter 13 is a Debt Repayment Plan. In a nutshell, a debtor’s debts are consolidated into a Chapter 13 plan and a payment plan is developed and must be approved by the Bankruptcy Court. The most common examples of debts that would be included in a Bankruptcy plan are credit cards, medical bills, car payments and mortgage arrearage. For Mortgages, this means the amount you are behind on gets put into the bankruptcy plan to allow you to keep your house. Beginning the month after your case is filed, you must make your current mortgage payments.