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so i will meet with clients i will write up their plan give them you know okay this is what your payments going to be typically we were going to schedule your payments out over five years in a chapter 13. because in chapter 13 thats the maximum amount of time you can be in the bankruptcy and from 99.9 of my clients they would like their payment to be the lowest monthly payment they can get so thats how we do it so itd be over five years now every case is very different um you know and people will call me and say well my friend got out they got out of their bankruptcy in two years and they did this and they did that maybe they did but their case is not your case and every case is different so lets talk about getting out of a chapter 13 case early and some of the issues that may come up that you need to be aware of and you definitely need to talk talk this through with your attorney if youre going to file a bankruptcy so the first thing is you need to know and you you should know