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Step 1: Collect your documents. It's important to have an uptodate proof of claim for any federal taxes you owe before confirmation of your Chapter 13 plan.Steps to file for Chapter 13 bankruptcy from taking a credit counseling course to filling out Form 113 and other forms you need. In the case of a Chapter 13 bankruptcy, the debtor pays disposable income into a monthly "plan" to pay creditors. When you complete a Chapter 13 plan, you have the satisfaction of keeping your assets, paying your creditors, and possibly discharging some of your debts. When you file for Chapter 13 bankruptcy, you must complete and file the Chapter 13 petition, schedules, and other forms. Your Chapter 13 repayment plan may involve paying certain creditors less than the full amount you owe. You'll get court approval of a plan to repay both unsecured and secured debts in part or in full. The Chapter 13 Trustee will not complete or file your tax returns for you. Working of Chapter 13 Bankruptcy depends on the plan a debtor chooses.