Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Chapter 13 bankruptcy question? - We have fallen behind on our bills and considering filing chapter 13. My question is if we do file 13 and my total debt is like 35,000. If my disposable income over the 5 year period is more that the 35,000 would I still me made to pay the disposable income for the 5 years or would the amount be lowered to total 35,000?. Any info or advise would be helpful, Thanks -