A Chapter 13 filing takes three or five years to complete. If your income is less than the state median, it takes three years to complete your repayment plan. If your income is over the state median, you will have a five-year repayment plan. The process should never take more than five years to complete a Chapter 13 filing. If unsecured debts are paid in full, it may take less than three years (11 U.S.C. § 1322(d)3).