Who creates my Chapter 13 bankruptcy plan?
You do, or rather your attorney and his/her staff does. The district where you file may have a prescribed format for a Chapter 13 plan, which you of course must follow. The exact way in which your plan classifies debts and proposes to repay them is, however, mostly up to you and is central to your case. The trustee will review the official documents, may require modifications or amendments before approving the finished product. Any of your creditors can lodge objections to your plan. If an agreement cannot be reached, then the modifications will be subject to the approval of the bankruptcy court. To prevent issues with your plan, make sure that you include every creditor and asset. If you later discover inadvertent errors, notify the trustee or your attorney immediately. Some may be significant, such as omitting an asset, and require more paperwork.