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Background Chapter 13 is designed for individuals with regular income who desire to pay their debts but are currently unable to do so. The purpose of chapter 13 is to enable financially distressed individual debtors, under court supervision and protection, to propose and carry out a repayment plan under which creditors are paid over an extended period of time. Under this chapter, debtors are permitted to repay creditors, in all or in part, in installments over a three-year period, during which time creditors are prohibited from starting or continuing collection efforts. In no case may a plan provide for payments over a period longer than five years. A corporation or may not be a chapter 13 debtor.