Yes, a Chapter 13 Plan will impact your credit score, but it's not the end of the world. While it may take a hit initially, successfully completing the plan can help you rebuild your credit over time.
Most unsecured debts, like credit cards and medical bills, can be included in your Chapter 13 Plan. However, some debts like student loans and certain taxes might not be wiped out.
The Chapter 13 Plan typically lasts between three to five years. It's like a marathon, not a sprint; you'll make monthly payments during that time to chip away at your debts.