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Court approval of a plan of reorganization in Chapter 13 is required in all cases before
creditors must accept
proposed payments. For a bankruptcy confirmation, the plan must provide payment of all
of the debtor's disposable
income for the benefit of creditors. As a practical point of practice, debtors must overcome all
objections of judges, trustees, and creditors to receive approval from the court.
Creditor objections are the most common, and usually based on perceived
unfairness in the priority assigned to payments and distributions by the
trustee. The most common objection to confirmation however is based the
debtor's failure to make timely payments after filing the case.
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