Hawaii Chapter 13 Plan is a form of debt relief available to individuals and families who are struggling with debt. It is a type of reorganization bankruptcy that allows debtors to create a payment plan to repay creditors over a period of three to five years. The payment plan is based on the debtor’s income and expenses and payment amounts are determined by the court. It is an alternative to liquidation bankruptcy and is available to those who have a steady income and are able to make regular payments. There are two types of Hawaii Chapter 13 Plan: wage-earner plan and self-employed plan. The wage-earner plan is for individuals with regular income who can afford to make regular payments on their debt. The self-employed plan is for those who are self-employed and who have no regular income but can still afford to make payments on their debt. Both plans involve the debtor providing the court with financial information, such as income and expenses, and submitting a proposed payment plan for approval. Once approved, debtors must make timely payments to the court-appointed trustee who then distributes the payments to creditors. Upon completion of the plan, the remaining debt is discharged, allowing debtors to rebuild their credit and financial future.