Chapter 7 and Chapter 13 bankruptcies are based on similar concepts, so they include many of the same steps.

A basic Chapter 13 will include all the same steps as a Chapter 7, PLUS a few more steps.

Please review the steps in a Chapter 7 bankruptcy.  

The additional steps for Chapter 13 are listed below.

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 15-30 Days After Your Filing Date: Start Plan Payments

You will start making repayment plan payments to your trustee’s office.

Even though your repayment plan has not yet been approved by the court (more on this below), you will start making payments very soon after filing your case.  The trustee and your attorney will give you directions for sending payments.

Don’t miss any payments, as this can greatly complicate your bankruptcy.

 30-60 Days After Your Filing Date

Car Cram Downs If you have a car loan that you are trying to “cram-down,” the motion will be filed during this time.

Other Motion Hearings If you have filed other motions in your case, the motions might require hearings during this time period.

 60-90 Days After Your Filing Date 

Plan confirmation

If you filed a Chapter 13 bankruptcy, the court will decide whether to approve the repayment plan you proposed.

The court will order a hearing on the issue.  But, your appearance at the hearing might be waived if you, the trustee, and your creditors all agree that your plan is reasonable and complies with the bankruptcy code.

If the court does not approve your plan, you will usually have a chance to amend it.

It is not unusual for the court to ask you to amend your plan. You may also need to amend your plan during your bankruptcy if your financial circumstances change (as they often do over a 3-5 year period.)

 36 – 60 Months After Your  Filing Date 

If you make all your plan payments and fulfill all other requirements of your Chapter 13 Plan, you will receive your discharge papers at the end of your plan.