The proposed payment plan in a chapter 13 case is really a roadmap for what you want to accomplish in your case. Are you trying to save the house and repay mortgage years? Are you trying to modify a mortgage? Are you trying to pay a lower interest rate on your car or deal with student loan debt in a way that allows you to pay less than what you have to pay outside of bankruptcy? It's a crucial part of any chapter 13 case and a lot of thought and planning goes into every plan that's filed.