Law Office of 
Charles E. Andersen

chapter 13 bankruptcy attorneys file chapter 13 with our online application
debtor reorganization plans
Chapter 13 is a means by which an individual overwhelmed with debt.. can remain in control of her personal financial affairs and repay her debts while keeping her property
file a repayment plan

several things are required for plan confirmation












A Chapter 13 plan must be proposed in good faith




1. Filing a Plan:  Only the debtor may file a Chapter 13 plan, and it must be filed with the petition or within fifteen days thereafter, unless the court grants an extension for cause. [B.C. §1321; Bankruptcy Rule 3015(b)]


2. Mandatory Provisions: A Chapter 13 plan must include the following provisions [B.C. §1322(a)]:


a. Sufficient income to be turned over to trustee:  The plan must provide that such amount of the debtor's future earnings or other future income as is required for the implementation of the plan will be turned over to the Chapter 13 trustee. [B.C. l322(a)(l)]


b. Full payment of priority claims: The plan must provide that all priority claims will be paid fully in deferred cash payments, unless a particular creditor consents to different treatment. [B.C. §1322(a)(2)]

 (1) Note: While priority claimants in a Chapter 13 case are entitled to receive payments totaling the full amount of their claims, the payments need not equal the present value of their claims.


c. Same treatment for claims of a class: If the plan designates classes of claims, it must provide identical treatment for all claims within any one class.  B.C. §1322(a)(3)J .


3. Permissive Provisions:  A Chapter 13 plan may include any of the following provisions [B.C. §!322(b)]:


a. Classification of claims: The plan may specify various classes of unsecured claims in accordance with Bankruptcy Code section 1122 , provided that it does not discriminate unfairly against any particular class. However, the Code expressly permits a Chapter 13 plan to provide different treatment for a consumer debt on which an individual co-debtor is also liable than for other unsecured claims. [B.C. §1322(b)(l)]


(1) "Unfair discrimination":  Some courts apply the following criteria in determining whether discrimination against a class is fair: (i) Whether there is a reasonable basis for the discriminatory treatment; (ii) Whether the plan could be implemented without the discrimination; (iii) The presence or absence of good faith and (iv) The manner in which the class is treated under the plan.

(a) Example: Debtor files a Chapter 13 petition and a plan designating two classes of unsecured claims, Class I consists of debts incurred in u business that Debtor has closed, and Class 2 consists of consumer debts. Debtor's plan proposes to pay nothing to the claimants in Class I, and to pay 100 percent to the claimants in Class 2. The plan is unfairly discriminatory under the four criteria above, and thus the court denies confirmation.

(b) Compare: Debtor files a Chapter 13 petition accompanied by a plan proposing the following: Class 1— all priority claims, to be paid in full; Class II-—child support claims, to be paid in full; Class III—unsecured claims of $100 or less, lo be paid in full; and Class 1V-—all other unsecured claims, to be paid eighteen percent. The trustee objects to confirmation of the plan because of the difference in treatment between Classes II and IV. However, "in light of the overwhelming public policy in favor of providing support for children" and the virtual impossibility of a successful Chapter 13 plan not providing full payment of child support, Debtor's plan is not unfairly discriminatory and therefore is confirmed by the court.


Modification of Secured debts

file for no money down with a repayment plan and an order from the bankruptcy court
calling for plan payments to be made


$0.00 down for chapter 13 cases







Chapter 7 & 13

If you qualify



  • Creditor Harassment
  • Foreclosure
  • Repossessions


  • Credit Card and Medical Bills

** For Chapter 13 cases with wage order, with the balance paid through a trustee as part of a payment plan and not paid directly to the attorney. Court Filing Fee is extra.






Free Consultation

Reasonable rates






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plan confirmation hearing plan is confirmed subject to lien avoidance motion within 30 days
Charles E. Andersen representing the debtor a New York State attorney not a bankruptcy petition preparer