Chapter 13 is generally referred to as the “repayment” Bankruptcy. The main differences between a Chapter 7 and a Chapter 13 is length of time and the repayment plan. Chapter 13 lasts anywhere between 3 and 5 years and is ideal for a debtor that has fallen behind on his mortgage or car payments. In a Chapter 13, the debtor is allowed to pay back the amounts that he is behind to his secured creditors without additional interest over the life of the bankruptcy. In addition to paying his secured creditors, the debtor can also include any non-dischargeable taxes or back child support to be paid over the length of the plan also without interest.