The Alabama Chapter 13 Plan (Before 10-15-2010) is a debt reorganization plan which allows debtors to repay their creditors over a 3-5 year period. It is available to individuals with regular income and provides them with an opportunity to make payments to their creditors in an organized manner. Generally, debtors in a Chapter 13 Plan are required to pay a portion of their unsecured debt and a portion of their secured debt, such as a mortgage or car loan. The Alabama Chapter 13 Plan is divided into two types: Type I and Type II. Type I plans require debtors to repay all of their unsecured debt and a portion of their secured debt. Any remaining balance of secured debt must be paid in a lump sum at the end of the repayment period. Type II plans require debtors to repay all of their unsecured debt and a portion of their secured debt. The remaining balance of secured debt must be paid in equal installments over the course of the repayment period. The Alabama Chapter 13 Plan also allows debtors to modify certain aspects of their repayment plan, such as the amount of their monthly payments or the interest rate charged on their loans. Debtors must meet certain conditions in order to qualify for a modification. Under the Alabama Chapter 13 Plan, debtors must also make payments to a trustee who is responsible for distributing payments to creditors. The trustee also ensures that debtors are making their payments on time and in accordance with the terms of their repayment plan.