Opinions wanted on chapter 13 plan proposal

[arkienurse]

But- to file a bankruptcy, and end up paying all of your debts (CH13?) I simply can't get the point. Are there no other ways you can alter your income or expenses to avoid that like the plague?

Well, in my case, chapter 13 has saved us many thousands of interest and penalties. DH had something bad hit his CR. his cards immediately jacked their rates to the max, even though we hadn't been late in more than a year, and had been paying a little bit over the min. Then because of his higher rates, we had trouble with my cards being paid on time.
I would do this again in a heartbeat, only I would shop around and see if all wanted us to pay the same payment. And best of all, 2 of the highest balance cards didn't even bother to file a claim, so we actually are saving another 8000 or so, that would have been paid if we didn't file.