Complying with a Chapter 13 plan is not easy. You may have to make a real sacrifice to meet the obligations that you have specified in your plan and still live within your Chapter 13 budget. Thousands of families have successfully completed their Chapter 13 plans and know that they have resolved their debt problems
Your credit rating during and after completion of your Chapter 13 plan will be based on information provided by individual creditors. Your credit history is made available to creditors who then make independent determinations whether or not to grant credit to you. Suits, collections, attachments and bankruptcies are indications, in one degree or another, of
When a creditor’s claim has been fully paid through your plan, the creditor should, and usually does, send the “paid-in-full” papers to you. If the creditor does not provide the “pink slip,” send the creditor a copy of your discharge along with a letter of explanation. If that does not work, contact your attorney. If
The Trustee will give out certain information about cases to interested parties in the case. Note, however, that if you are not on the petition as a co-debtor in the case, the Trustee can only give you some general information that would be available to creditors or other interested parties. Since you are not the
Absolutely! You can view up-to-date case information on the National Data Center’s site, including status of your case, or alternatively by contacting our Office Administrator via email. Additionally, we also mail status reports annually to all confirmed debtors.
Write to the Trustee and ask for an estimated pay-off. Understand, however, that any pay-off figure you receive from the Trustee is an estimate. It will not include any filed claims that the Trustee is not aware of, nor will it include interest that will accrue in the future on any secured claims. If your
I need to buy a new car, and the dealer says I have to get a letter from the Trustee. Can I get a letter from the Trustee?
No. If you wish to incur debt (buy or lease a car, sell, buy, or refinance a home) you must obtain a court order. The Trustee does not have the authority to give letters of approval. Contact your attorney for assistance.