Chapter 13 bankruptcy is popularly known as the wage earners plan. It is for individuals with regular income but who are unable to cope with their overwhelming debts. Debtors can offer a repayment plan to pay their debts in installments to creditors over a period of three to five years. MD bankruptcy lawyers Holmquist & Dickerson have represented thousands of Maryland Bankruptcy cases successfully. Contact 410-692-5315 to save your home.