The Alabama Chapter 13 Plan (After 10-15-2010) is a court-approved payment plan for consumers who are struggling to pay back their unsecured debts. This plan allows individuals to make timely payments to their creditors over a three- to five-year period. The Alabama Bankruptcy Code requires that each borrower propose a repayment plan that is both reasonable and feasible. The plan must provide for payments to creditors on a regular basis. The debtor must also provide an estimate of the amount of funds they can pay over the life of the plan. The payments must be sufficient to cover all allowed claims and the debtor must make payments on time and in accordance with the plan. The Alabama Chapter 13 Plan (After 10-15-2010) offers two basic types of repayment plans: the traditional plan and the modified plan. Under the traditional plan, the debtor must pay all unsecured creditors in full within the three- to five-year repayment period. Under the modified plan, the debtor can pay a portion of the unsecured debts. The debtor must also pay all allowed secured claims in full. In either case, the proposed plan must also provide for the payment of all post-petition administrative expense claims. The debtor must also provide evidence that they have sufficient income to make the proposed payments. If approved by the court, the plan must be confirmed by the creditors.