If a creditor’s proof of claim is too large, you may need to object to it to avoid dismissal of your Chapter 13 case.
Objecting to Priority and Secured Proofs of Claim
If a creditor’s proof of claim is a “priority” or secured debt is too high, object to it to avoid paying too much in your Chapter 13 case.
Objecting to a Creditor’s Proof of Claim
If you object to a creditor’s proof of claim in your Chapter 13 case, and prevail in that dispute, you pay nothing on that debt.
When a Creditor Doesn’t File a Proof of Claim in Chapter 13
If a creditor doesn’t file a timely proof of claim on a debt in your Chapter 13 case, you pay nothing on that debt.
Pay Nothing on Most Debts in Chapter 13
In some jurisdictions you can pay nothing to your “general unsecured” creditors, if all your money goes to paying higher priority ones.
Discharge of Debts under Chapter 13
The discharge of debts is just one of the tools of Chapter 13 for achieving your financial goals. It works differently than in Chapter 7.
The Benefit of Surrendering Collateral in Chapter 13
If you are concerned that in a Chapter 13 case a debt resulting from surrendered collateral will cost you more, often it won’t.
Proofs of Claim of Priority Creditors in Chapter 13
Priority proofs of claim need to be carefully monitored in a Chapter 13 case. Make sure one’s filed so it gets paid, and at the right amount.
Proofs of Claim of General Unsecured Creditors in Chapter 13
Often creditors’ proofs of claim do not affect the amount you have to pay in a Chapter 13 case. But sometimes they make a huge difference.
Post-Petition Income Tax Debts in Chapter 13
File your Chapter 13 “adjustment of debts” case at the right time to include all possible tax debts. Then budget right to prevent new ones.
The Bankruptcy Chapters–Chapter 7, 9, 11, 12, and 13
You file bankruptcy most likely under Chapter 7 or 13, or possibly 11. Ch. 12 is for farmers and fisherman, Ch. 9 for governmental entities.
Employee Wages and Benefits as a “Priority” Debt
If you owe an employee wages or benefits, it’s likely a priority debt. Same if you are owed wages or benefits. More likely to be paid.
Illustrating How to Handle a Creditor with a Disputed Lien
Here’s a scenario showing how Chapter 13 solves problems that Chapter 7 doesn’t solve in dealing with a creditor’s disputed lien.
Disputed Lien in Chapter 13
When a creditor may not have a valid lien, Chapter 13 gives you a good way to defeat that disputed lien and the claim against your property.
A Creditor Not Enforcing its Lien under Chapter 13
When a creditor fails to enforce its lien in a Chapter 7 case, you are left exposed. Not so under Chapter 13.