Frequently Asked Questions (FAQs)

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1. What is chapter 13 and how does it work?

2. How does a chapter 13 case from a chapter 7 case?

3. When is a chapter 13 case preferable to chapter 7 case?

4. How does a chapter 13 differ from a private debt consolidation service?

5. What is a chapter 13 discharge?

6. What types of debts are not dischargeable in chapter 13 cases?

7. What is a chapter 13 plan?

8. What is a chapter 13 trustee?

9. What debts may be paid under a chapter 13 plan?

10. Must all debts be paid in full under a chapter 13 plan?

11. Must all unsecured creditors be treated alike under a chapter 13 plan?

12. Is there a difference between a debt and a claim?

13. How much of a debtor’s income must be paid to the chapter 13 trustee under a chapter 13 plan?

14. When must the debtor begin making payments to the chapter 13 trustee and how must they be made?

15. How long does a chapter 13 plan last?

16. Is it necessary for all creditors to approve a chapter 13 plan?

17. What is the difference between a secured creditor and an unsecured creditor?

18. How are claims of secured creditors dealt with in chapter 13 cases?

19. How are cosigned or guaranteed debts handled under chapter 13?

20. Who is eligible to file a chapter 13 case?

21. May a husband and wife file a joint chapter 13 case?

22. When should a husband and wife file a joint chapter 13 case?

23. May a self-employed person file a chapter 13 case?

24. May a chapter 7 case be converted to a chapter 13 case?

25. Where is a chapter 13 case filed?

26. What fees are charged in a chapter 13 case?

27. What fees are charged in a chapter 13 case?

28. Will a person lose any property if he or she files a chapter 13 case?

29. How does the filing of a chapter 13 case affect collection proceedings and foreclosures that are filed against the debtor?

30. May a person whose debts are being administered by a financial counselor file a chapter 13 case ?

31. How does filing a chapter 13 case affect a person’s credit rating?

32. Are the names of persons who file chapter 13 cases published?

33. Is a person’s employer notified when he or she files a chapter 13 case?

34. Does a person lose any legal rights by filing a chapter 13 case?

35. May employers or government agencies discriminate against persons who file chapter 13 cases?

36. What is required for court approval of a chapter 13 plan?

37. What is a priority claim?

38. When does a debtor have to appear in court in a chapter 13 case?

39. What if the court does not approve a debtor’s chapter 13 plan?

40. How are the claims of unsecured creditors handled under chapter 13?

41. What if the debtor is temporarily unable to make the chapter 13 payments?

42. What if the debtor incurs new debts or needs credit during a chapter 13 case?

43. What should the debtor do if he or she moves while the case is pending?

44. What if the debtor later decides to discontinue the chapter 13 case?

45. What happens if a debtor is unable to complete the chapter 13 payments?

46. What fees are charged in a chapter 13 case?

47. Will a person lose any property if he or she files a chapter 13 case?

48. How does the filing of a chapter 13 case affect collection proceedings and foreclosures that are filed against the debtor?

49. May a person whose debts are being administered by a financial counselor file a chapter 13case ?

50. How does filing a chapter 13 case affect a person’s credit rating?

51. Are the names of persons who file chapter 13 cases published?

52. Is a person’s employer notified when he or she files a chapter 13 case?

53. Does a person lose any legal rights by filing a chapter 13 case?

54. May employers or government agencies discriminate against persons who file chapter 13 cases?

55. What is required for court approval of a chapter 13 plan?

56. What is a priority claim?

57. When does a debtor have to appear in court in a chapter 13 case?

58. What if the court does not approve a debtor’s chapter 13 plan?

59. How are the claims of unsecured creditors handled under chapter 13?

60. What if the debtor is temporarily unable to make the chapter 13 payments?

61. What if the debtor incurs new debts or needs credit during a chapter 13 case?

62. What should the debtor do if he or she moves while the case is pending?

63. What if the debtor later decides to discontinue the chapter 13 case?

64. What happens if a debtor is unable to complete the chapter 13 payments?

65. What is the role of the debtor’s attorney in a chapter 13 case?

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More FAQs:

• Chapter 7 Bankruptcy FAQ
• Chapter 13 Bankruptcy FAQ

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