When you file a Chapter 13 bankruptcy case, you will be required to file a proposed repayment plan.  The repayment plan tells the court, the trustee and your creditors how you propose to reorganize your debts.  Your creditors and other parties in interest (such as the Chapter 13 trustee) have the opportunity to file objections to your plan.  A confirmation hearing is scheduled to either confirm or deny your proposed plan.  Any objections filed will be decided by a bankruptcy judge if the parties are not able to resolve the objections prior to the hearing.

For more about Chapter 13 plans and the confirmation hearing read, “Chapter 13: Repayment Plan and Confirmation Hearing.”