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in this video were going to talk about how you lower your chapter 13 planned payment so stay tuned bankruptcy bailout buddies welcome debtors and borrowers to bankruptcy bailout because debt ruins lives not bankruptcy my name is matt burkus colorado bankruptcy and debt relief attorney and today were going to answer the question well how do you lower or reduce your chapter 13 plan payment so lets set the context here for a second chapter 13 is a monthly payment plan that lasts for 60 months the goal of the plan is to pay back a portion of what you owe based on how much you can actually afford to pay not how much money you owe your creditors but the chapter 13 plan is 60 months long so what happens if during the plan at some point your situation changes and you can no longer afford the payment that you had been making all right so at this point in the plan youve gone to the initial phase of getting your chapter 13 plan approved so youve been making your monthly payment lets just sa