Chapter 13 in Arizona is a debt consolidation and repayment plan. Generally, your plan repayment plan amount will be based on your disposable income. The repayment plan will normally last between 36 and 60 months. the power of Chapter 13 also allows you to bring your mortgage if you are past due, recover a repossessed auto, restructure interest rates, and in some cases reduce the principal balance. To find out how chapter 13 can help you, schedule a free consultation today!