West Virginia Chapter 13 Plan (Proposed Chapter 13 Plan) is a form of debt relief that allows individuals in West Virginia to reorganize their debts according to a repayment plan. This repayment plan allows debtors to pay their creditors a fixed amount over a three to five-year period, and is an alternative to bankruptcy. Depending on the debtor's financial situation, the repayment plan can be tailored to fit their needs. The West Virginia Chapter 13 Plan (Proposed Chapter 13 Plan) is divided into three types: Straight Chapter 13 Plan, Flexible Chapter 13 Plan, and Wage Earner Chapter 13 Plan. The Straight Chapter 13 Plan is the most common and allows debtors to pay a fixed amount to their creditors over a three to five-year period. The Flexible Chapter 13 Plan is designed to offer debtors more flexibility in their repayment plan and allows them to adjust their payment amount as their financial situation changes. The Wage Earner Chapter 13 Plan is specifically designed for those who are employed and have a steady income, and allows them to pay their creditors an amount equal to their disposable income. Debtors filing for a West Virginia Chapter 13 Plan (Proposed Chapter 13 Plan) must meet certain criteria such as having a regular source of income, having unsecured debts of less than $419,275 and secured debts of less than $1,257,850, and filing all necessary forms and documents. Additionally, debtors must complete credit counseling and a financial management course prior to filing for a Chapter 13 Plan.