Whenever you file a chapter 11 or a chapter 13, you must file a plan of reorganization. The reorganization plan delineates who you’re going to pay, how much you’re going to pay of the debt you owe those people, and then it’s put out to be voted on by those same creditors who you maybe paying less to. In order to get through a bankruptcy and get your plan of reorganization confirmed, you must obtain a certain amount of yes votes from your creditors.