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The plan will then show any disposable income you have left after making these required payments, that remaining will go towards paying your unsecured debt such as credit card or medical bills, these are debts that do not have to be paid in full or in some cases not at all, you just have to show that you are putting any remaining income towards their repayment...
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The length of your repayment plan depends on how much you owe and how much you earn. To determine if you will be on a five year plan or a three year plan the courts will use your states median income. If your monthly income over six months prior to the date you filed for bankruptcy is more than the median income for your state, you’ll have to propose a five year plan...
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