Chapter 13 bankruptcy allows the debtor to discharge some debt and repay other debt over the period of three to five years. Secured debts may be restructured, reduced, or even eliminated under a Chapter 13 plan. Chapter 13s are typically used to structure a repayment plan for debts that aren't capable of being discharged, primarily secured debts such as mortgages. Chapter 13 is available only to individuals. There are certain income and debt qualifications that must be met to file under Chapter 13.