An Overview of Chapter 13 Bankruptcy Chapter 13 bankruptcy restructures and discharges debt based on a consumers ability to repay over a period of at least 36 months and usually 60 months. It also stops future interest on outstanding priority tax obligations and can provide up-to 5 years to repay those taxes. For more information, visit at Attorneyfortampabay.com. in Public bookmarkswith chapert-13-bankruptcyby 15 users