The South Dakota New Ch 12 & 13 Joint Debtors Plan Effective Dec 1, 2017 (WordPerfect) is a joint debtors plan providing debtors with relief from their creditors. The plan is designed to help debtors pay back their creditors over a period of time. It allows debtors to make payments on their debt, while protecting their assets from being taken by the creditors. The plan is divided into two different types: Chapter 12 and Chapter 13. Chapter 12 allows debtors to reorganize their debts by making payments to the creditors over a period of time, while protecting their assets from creditors. The plan also allows debtors to pay back their creditors at a rate that is affordable to them. Chapter 13 allows debtors to repay all of their debts over a period of time, while still protecting their assets from creditors. The plan allows debtors to pay back their debts at a rate that is reasonable and affordable to them, and it also allows debtors to keep their assets. The South Dakota New Ch 12 & 13 Joint Debtors Plan Effective Dec 1, 2017 (WordPerfect) is a great way for debtors to get relief from their creditors and to get on the path to financial freedom. It provides debtors with the resources and tools they need to pay back their creditors, while still protecting their assets.