| Step
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When it Happens
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1.
You complete a pre-bankruptcy credit counseling course approved by the U.S. Trustee.
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Prior to filing your reorganization-bankruptcy reorganization bankruptcy petition.
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2.
You file for Chapter 13 bankruptcy.
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3
. The automatic stay takes effect. It bars your creditors, once they learn of your filing from taking any actions to collect what you owe.
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When you file the reorganization bankruptcy petition.
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4.
The court appoints a trustee to oversee your case.
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When your case is filed |
5
. The Chapter 13 trustee sends you a "notice of commencement" of your case, which usually contains:
- the date of the meeting of creditors,
- the date of the confirmation hearing, and
- the deadline by which creditors must file their claims
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Within a week after your case is filed |
6.
You begin making payments under your repayment plan.
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Within 30 days after you file the reorganization bankruptcy petition.
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7.
You attend the meeting of creditors (where the trustee and any creditors who show up can ask you about information in your papers). A creditor may raise objections to your plan with the hope of getting you to modify it before the confirmation hearing.
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Within 40-45 days after you file reorganization bankruptcy petition.
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8.
You file a modified plan, if you wish.
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At least 30 days before the confirmation hearing.
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9.
Creditors file written objections to your plan, if they wish. The bankruptcy judge will rule on them at the confirmation hearing.
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At least 10 days before the confirmation hearing.
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10.
The court holds the confirmation hearing addresses any objections raised by creditors or the Chapter 13 trustee, and approves your repayment plan.
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Within 6 months of the date your case is filed
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11.
Creditors file their "proof of claims" specifying how much they are owed.
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Within 90 days after the meeting of creditors.
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12.
You (or the Chapter 13 trustee) file a written objection to creditors' claims, if you have a reason to object.
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As soon as possible after the deadline for creditors to file their claims.
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| 13.
The court grants your discharge |
36 to 60 months after you file if you complete your plan payments (sooner if you choose to pay off your reorganization bankruptcy plan early).
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