How long must a chapter 13 plan last?

A chapter 13 plan must last for three years, unless all debts can be paid off in full in less time. However, a chapter 13 plan can last for as long as five years (60 plan payments), if the debtor has a valid reason for such a period. In Lubbock, Judge Akard and Robert Wilson usually require five year plans, unless all the debts are paid off in full in a shorter time period.