Wisconsin Chapter 13 Plan is a type of bankruptcy plan available to individuals in the state of Wisconsin. The plan allows individuals to reorganize their debts and pay them off over a 3- to 5-year period. The plan is designed to help individuals keep their property while helping them to pay off their debts. The plan also helps to protect individuals from creditor harassment and lawsuits. Wisconsin Chapter 13 Plan is available to individuals whose debt is greater than $383,175 in unsecured debt and less than $1,149,525 in secured debt. The plan requires individuals to continue to make payments on their secured debts such as mortgages and car loans. The plan allows individuals to pay off their unsecured debts over a 3- to 5-year period. The payment plan is determined by the individual's budget and must be approved by the court. There are two types of Wisconsin Chapter 13 Plans: Standard Plans and Modified Plans. Standard Plans are designed to help individuals pay off their debts in full over a 3- to 5-year period. Modified Plans are designed to help individuals pay off their debts in a shorter amount of time. The Modified Plan can be used when an individual's income is not enough to pay off the full amount of their debts in the 3- to 5-year period. The Modified Plan allows for a lower monthly payment for a shorter amount of time. The Modified Plan may also allow for a lower balance to be paid, depending on the individual's budget and income.