Most of our clients have the Chapter 13 plan payments deducted directly from their paycheck. In the Eastern District of Texas, if for some reason you need to mail your payment directly to the Trustee, Janna Countryman, her address is: The payment must be either a cashiers check or money order made payable to "Standing Chapter 13 Trustee". Make sure you print your name, case number and SSN on the check.

Your Chapter 13 payments should be made payable to Chapter 13 Trustee and you should include your name and case number on your payment and mail it to:

The amount of your Chapter 13 payments are based upon your income, your monthly living expenses, and the amount of your total debts. This is known as the means test which is a pre-determined standard of living based on Internal Revenue Service standards. The Court will allow you to keep and spend so much of your income as determined by the means test.

A Chapter 13 plan cannot exceed 60 months. The Debtor has to pay for at least 36 months, unless all creditors are paid in full in less time.

A chapter 13 case is filed in the bankruptcy court in the district where the debtor has lived or maintained a principal place of business for the greatest portion of the last 180 days. The bankruptcy court is a unit of the federal district court.

Usually when you come for your first appointment, if you bring all of your documents with you we can complete all of the required filings before you leave our office. Your bankruptcy can be filed within 48 hours, almost immediately if necessary. For an emergency filing, we can file just the Voluntary Petition, but we also need a list of all of your creditors, collection agencies, sheriffs, attorneys and others who are seeking to collect debts from you.

There is no single answer to this question. Each case is unique and the length of time before you receive a dividend depends on the circumstances of the individual case. After the deadline for filing claims has expired, you should contact the case trustee and inquire as to the time frame for distribution of claim payments to creditors.

California Dental Plan is currently featuring a plan which offers the Cigna Dental Network Access at the following rates:

Chapter 13 is entitled "Adjustment of Debts of an Individual With Regular Income." The desired result of a plan in Chapter 13 is an adjustment, or a restructuring, of the debts of an individual or couple. Typically, the plan is used to restructure debts that a Debtor could not afford, so that the Chapter 13 plan actually can have the effect of reducing a car payment that is high and/or making up house payments that are behind.

There is a $185 filing fee charged when the case is filed, which may be paid in installments if necessary. In addition, the chapter 13 trustee assesses a fee of 10 percent on all payments made under the plan. Thus, if a debtor pays a total of $5,000 under a chapter 13 plan, the total amount of fees charged in the case will be $685 (a $500 trustee's fee, plus the $185 filing fee). These fees are in addition to the fee charged by the debtor's attorney.

Examining the filed financial situation and determining whether chapter 13 is a feasible alternative for the debtor, and if so, whether a single or a joint case should be filed. Examining the liens or security interests of secured creditors to ascertain their validity or avoidability, and taking the legal steps necessary to protect the filed interest in such matters. Assisting the debtor in devising a chapter 13 plan that meets the needs of the debtor and is acceptable to the court.

In 2005, the United States Congress passed bankruptcy legislation which includes new income and expense considerations when filing for bankruptcy, and may require debtors with income above a certain amount to file under Chapter 13 instead of under Chapter 7, depending on their income and expenses. This however is a very individual determination based on each person’s income, household expenses and debts.

Any debts whatsoever, whether they are secured or unsecured. Even debts that are nondischargeable, such as debts for student loans, alimony or child support may be paid under a chapter 13 plan. No. While priority debts, such as debts for alimony, maintenance and support and debts for taxes, and fully secured debts must be paid in full under a chapter 13 plan, only an amount that the debtor can reasonably afford Fast be paid on most debts.

NO. To become effective, a chapter 13 plan must be approved by the court, not by the creditors. The court cannot approve a plan unless secured creditors are dealt with in the manner described in the answer to Question 16. Also, unsecured creditors are permitted to file objections to the debtor's plan, and these objections must be ruled on by the court before it can approve the debtor's chapter 13 plan.

each unsecured creditor will receive under the plan at least as much as it would have received had the debtor filed under chapter 7, each secured creditor has been dealt with in the manner described in the answer to Question 16 above.

The IRS is just another creditor in the Chapter 13. Its objections are limited to the same grounds as any other creditor: lack of good faith; lack of feasibility; best interests of creditors . Our experience is that the IRS welcomes a Chapter 13 filing since the priority taxes get paid in full with little expenditure of time and energy by the IRS. No.