§1322 Chapter 13 Plan Contents in Washington

How 11 U.S.C. § 1322 applies in Washington — federal bankruptcy law, Washington district data.

What §1322 Chapter 13 Plan Contents Does

Chapter 13 plans must specify how creditors will be paid over 3 to 5 years. Required: priority claim payments in full, disposable-income commitment, classification of claims. Optional but common: cramdown of vehicle loans, lien stripping of underwater mortgages, cure of mortgage arrears.

Key points:

Plan length: 3 years (below-median) or 5 years (above-median)
Must pay priority and secured claims in full unless creditor consents
Disposable income test (§1325(b)) — all projected disposable income into plan
§1322(b) menu of permissive plan provisions — including cure of arrears and cramdown

Washington Bankruptcy Data (FJC)

69,432

Total filings

44.5%

Dismiss rate

21,183

Prior filers

43.4%

Prior discharge rate

Apply This to Your Case

The rules above are federal — they apply identically in every state. What varies by state is exemptions (§522), median income thresholds (means test), and case-law interpretations of ambiguous terms. For a Washington-specific answer, check the screener or consult a local attorney.

What §1322 Chapter 13 Plan Contents Does

Washington Bankruptcy Data (FJC)

Apply This to Your Case

Related Washington Statutes

§1322 Chapter 13 Plan Contents in Other States