No, the Chapter 13 plan will not require all your income. The attorney will work with you to develop a budget based on your income, monthly expenses and outstanding debt. Our lawyers will reserve money to cover your ongoing monthly expenses (i.e. utilities, groceries, etc.) plus any items that you are not including in the plan (i.e. vehicle). Your plan payment is based on your available income, monthly living expense and outstanding debts. Since the Chapter 13 is a customized program, the payment is based on your individual circumstances. At the time of your initial complimentary consultation, the attorney can typically provide an estimate of your expected plan payment and terms.