Secured debt on your house is based on a repayment plan of 3 to 5 years applied to the amount delinquent at 0% interest. (You can repay any delinquencies over 3 to 5 years at 0% interest on top of your regular mortgage obligations.)

Secured debt on cars, boats, planes, etc., may be bifurcated into the secured and unsecured portion. Secured portion remains. Unsecured can be discharged (rare event).

Unsecured debt is usually paid back at the rate of approximately 75% of the amount owed.

So, if you can afford this type of payment schedule, then Ch 13 is utilized. Otherwise, Ch 7 is on the table and the formula for that is different.

In the meantime, convert all "non-exempt" assets to "exempt" assets.
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