The attorney, Travis Gagnier, will sit down with you during the free consultation and go over your available options. In some situations where your income exceeds certain levels and in some other circumstances, we will help you set up a Chapter 13 payment plan that you can afford. Usually the plan lasts five years and will greatly reduce your monthly outgo for debt. The Chapter 13 bankruptcy plan will concentrate your money where it matter most to you—on house payments, car payments and other secured debt, or on taxes you have to pay anyway. Often we can eliminate or reduce interest and penalties on much of the debt, and discharge unsecured debts like credit cards, collections and medical bills, so that your plan payments are affordable.