How long does a Chapter 13 last?

It may last less than five years, but it can’t go over five years. To make your payments as low as possible, the plan often lasts close to five years. Exactly how long a case will last will depend on the amount of the claims filed by the creditors, how fast you are paying the Trustee, and the nature of your plan. You’ll need to ask the lawyer after all claims have been filed to get a more definite time frame in your specific case.