The Illinois Chapter 13 Model Plan (non-calculating) is a type of bankruptcy filing available for individuals in Illinois. It allows for debtors to pay their creditors through a court-approved repayment plan. The repayment plan is based on the debtor’s income, expenses, and other factors. The plan is typically over a 3-5 year period. Under the Illinois Chapter 13 Model Plan (non-calculating), debtors must make regular payments to a court-appointed trustee, who then distributes the money to creditors according to the approved repayment plan. The payments are typically made on a biweekly or monthly basis. The Illinois Chapter 13 Model Plan (non-calculating) also allows for debtors to discharge certain types of debt. This includes credit card debt, medical bills, personal loans, and other unsecured debt. It also allows for debtors to keep certain assets, such as a home or vehicle, that would otherwise be liquidated in a Chapter 7 bankruptcy. There are two types of Illinois Chapter 13 Model Plan (non-calculating): the Standard Plan and the Modified Plan. The Standard Plan is the more common of the two, and it requires debtors to pay a percentage of their unsecured debt. The Modified Plan is better suited for debtors with more challenging financial circumstances, and it requires debtors to pay all of their unsecured debt.