Why does the quality of my Chapter 13 representation matter? Chapter 13 Plans are not mechanical, so the resulting Plan payment can be very different depending on which lawyer your choose to assist you against your creditors’ attorneys. Chapter 13 Plans involve using knowledge of complex legal rules to your advantage. The bankruptcy lawyer you hire will negotiate and litigate the terms of the 13 Plan, including the monthly payment amount, against your creditors’ attorneys. A lawyer with more legal knowledge will do a better job than a mediocre one can, and that affects your bottom line.