questions

[jefferson]

If I cant afford my bills. how will a 13 help me if Im still paying them back.

Will I pay only a %

[woeisme]

You will take a test and fill out forms and schedules to determine your disposable income after all expenses have been paid. That is the amount you will be required to pay into your CH 13 (well, it's more complicated if you have lots of assets you are trying to cover... but assuming that is not the case.) In my case, it means I pay back 40% of my debts. In other cases, could be as high as 100%, as low as 0% (well, 0% of unsecured debts). Sometimes it still makes sense to file even if paying back 100%, because it will stop all creditor harassment, interests, and penalties, making it possible to pay back over the 5 year term while you may not be able to pay back without filing because fees continue to accrue.

[crookedoak]

i ended up paying 9% to my unsecured creditors, about 60% of what I owed on my vehicles.
More importantly was the peace of mind not having repo men at the door, and creditors constantly calling.