Chapter 13 Confirmation Hearing -- What to Expect

What Happens at a Chapter 13 Confirmation Hearing

The confirmation hearing is where the judge decides whether to approve your Chapter 13 repayment plan. Here is what to expect:

• Trustee's recommendation: The Chapter 13 trustee will either recommend confirmation or state objections
• Common objections: Plan does not commit all disposable income, fails the best interests test, payment amount is not feasible, or does not properly treat secured claims
• Your response: You (or your attorney) must address each objection. This may require amending the plan.
• Confirmation order: If the judge approves, a confirmation order is entered and the plan becomes binding on all parties