West Virginia Chapter 13 Model Plan is a type of debt repayment plan in which a debtor pays all or a portion of their debts over a period of three to five years. It is an alternative to filing for bankruptcy and allows debtors to keep their property, such as their home and car, while managing their debt. The West Virginia Chapter 13 Model Plan is organized by the United States Bankruptcy Court for the Southern District of West Virginia. The West Virginia Chapter 13 Model Plan offers two types of plans. The first type is the Traditional Plan, which allows debtors to pay all or a portion of their debts over a period of three to five years, depending on their income. During this time, the debtor must make regular payments to the trustee, who is responsible for distributing the payments to the creditors. The second type is the Wage Earner Plan, which is available to debtors who have a steady income and are able to make regular payments. This plan allows debtors to pay all or a portion of their debts over a period of three to five years. Under the West Virginia Chapter 13 Model Plan, debtors must complete a mandatory credit counseling course and provide the court with a budget of their income and expenses. The amount of the payments and the length of the repayment plan are determined by the debtor’s income and expenses. Debtors must also attend a meeting of creditors, during which the court will review the plan and the creditors can ask questions about it. Once the plan is approved, debtors must make their payments on time and keep up with their other obligations. At the end of the plan, any remaining debt is discharged, and the debtor is no longer liable for it.