Your Chapter 13 bankruptcy plan is what tells the court and your creditors how you intend to repay your debts. The plan must be confirmed (approved) by the judge. To propose a plan that the Judge will approve, you must show that after deducting for living expenses (and other allowed expenses), you will have sufficient income to pay your creditors over the life of your plan. Some debts may be paid outside the plan but other debts must be paid within the plan to the trustee who will then disburse the money to the appropriate parties. The trustee gets 10% included in your plan as payment for administering the case.
What has to be paid through the plan and what can be paid outside the plan is a subject that can't be tackled fully through a blog posting. Finding out what would be included in a Chapter 13 plan for you is best discussed with a bankruptcy attorney during a free consultation such as the one we offer in our Davie or Coral Springs office.