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A large factor is how many months you have been in bankruptcy, whether you are required to commit to 60 months, and the percent that you are paying your creditors.

Generally, if your plan would have paid off 100% of your debts, you can complete the plan early. If you didn’t file a 100% plan, whatever increase in wealth is allowing you pay early has to be included in your bankruptcy estate and will lead the Trustee to require you to amend the plan. Before paying off a plan early, consult with a local bankruptcy attorney whether this option makes sense in your circumstances.