When you file for Chapter 13 bankruptcy, you propose a plan to the Bankruptcy Court which states what you are able to pay to your creditors. This can be anywhere from zero to 100% of the debt you owe depending on various factors. The term of the repayment plan is three to five years and is based on your current income and expenses. But what happens if your income changes during the term of your plan? Or you experience an increase in expenses due to car repairs, medical treatment, or have to help a family member who is unemployed? Fortunately, Congress recognized that debtors in Chapter 13 inevitably encounter a change in financial circumstances and made accommodations for those situations. There are three options available if you encounter a serious financial change during your Chapter 13 case.