I have filed chapter 7 before about 6 years ago due to medical issues. My issues have begun again, I am on my third type of cancer and have been inundated with expenses that have been deemed "out of network" by my insurance company and now I owe tens of thousands of dollars. I want to make sure I can continue to see my doctor if I file a chapter 13. My main question is how is the percentage of payback determined as well as the length of time? I just took out a small loan just before finding out I have a new form of cancer, I am sure this will look bad to the trustee. Should I attempt to pay it back before filing? I don't have an attorney just yet, but do have one in mind. I would very much appreicate any insight I can get.