Washington Chapter 13 Plan is a type of bankruptcy filing available to those who owe more money than they can pay off in a reasonable amount of time. This type of bankruptcy filing allows debtors to reorganize their debts into a more manageable repayment plan, with certain debts being paid off over a three- to five-year period. The debtor must make regular payments to the court-appointed trustee, who then distributes payments to the creditors. Washington Chapter 13 Plan is available to individuals with a regular income, who have some form of secured debt, such as a mortgage or car loan, and who are unable to make payments on those debts. The plan may also be used to prevent foreclosure on a home, or to pay off unpaid taxes. The two types of Washington Chapter 13 Plan are a traditional plan and a modified plan. The traditional plan allows for repayment of a certain percentage of unsecured debts over the course of the plan, while the modified plan allows for a reduced payment amount on some debts. Both types of plans require the debtor to make regular payments to the court-appointed trustee, who then distributes payments to the creditors. The debtor must remain current on all payments for the duration of the plan.