The repayment plan depends on your monthly income and on the value of assets you want to keep. Usually you have to pay the money that is left after all your allowed expenses are taken care of. Allowed expenses are expense such as rent, car payments, mortgage, child care, health care, food, clothing, recreation etc. The amount of allowed expenses varies from county to county and can be looked up at the us trustee’s website under http://www.usdoj.gov/ust/.