Chapter 13 Plans generally involve the payment of monthly amounts to the Chapter 13 Trustee over a three to five year period. Upon the completion of the plan payments, you are entitled to your Chapter 13 Discharge Order. The Chapter 13 Discharge Order is an order from your Judge officially discharging your dischargeable debt.

It is important that you keep in mind the due date of your last payment so that you can stop paying the Chapter 13 Trustee. You were advised at the beginning of the case when your last payment is due, but you will be reminded again again at the end of the case. If you need any clarification of the date, please call us at your convenience.

Certain Chapter 13 plans, such as those curing mortgage arrearages, involve changes in Chapter 13 plan amounts during the case. This date also must be kept in mind. Typically in a Chapter 13 plan curing a mortgage arrearage, the mortgage arrearage is finished being reinstated after 36 to 55 months. At that point, the normal monthly mortgage payment is taken out of the Chapter 13 plan and made directly to the mortgage company.

You should generally not make Chapter 13 plan payments in advance. Advance plan payments may cause the Chapter 13 Trustee to review your case for an increase in plan payments on the ground that you have the ability to pay more money!

There are certain limited circumstances where the advance plan payments may be permitted-such as from the sale of your exempt homestead, but you should consult with us before doing so.