if you have been in bankruptcy for two year and decide you want out and pay you creditors yourself,[ personal bankruptcy chp 13] what can you do it

Yes, you can voluntarily dismiss a Chapter 13 at any time in most cases.   It does require court approval, but unless you filed the Chapter 13 or conducted yourself in bad faith during the case, there shouldn't be an issue with dismissal. Mark J. Markus, Attorney at Law Handling exclusively bankruptcy law cases in California since 1991. http://www.bklaw.com/ Follow Me on Twitter:  @bklawr