Trustee Bio|Overview|Definitions|FAQ|PDF Downloads|Contact Us|Help Resources|Links|What's New Home Chapter 13 A Fresh Financial Start Recommended Readings: • 341 Hearings • Confirmation of Plan • A Trustee's Role • Are You Self Employed? • Dismissal vs. Discharge • Do I Need an Attorney? • What if I am serving in the military? • ECF Docket Cheat Sheet     Chapter 13 A Complete Overview Top 10 Things Every Chapter 13 Petitioner Should Know 1. Keep your attorney and Chapter 13 Trustee's Office informed of future changes in your address. This information is useful for notices, and also for refund checks payable to you. 2. Re-read and understand your Plan. Review your semi-annual report from the Trustee to ensure all of your payments have been received and see how your balances fall! 3. If you are paying less than 100% to your unsecured creditors, your Chapter 13 Plan must continue no less than 36 months from the date your plan was filed. 4. Every debt you owe, contingent or disputed (business or individual), must be listed in your Plan. This includes delinquent utilities. All debts must be paid through the Plan unless there is justification, which is rare. 5. All income of occupants of the home must be listed in your plan; child support, rental income, etc. 6. Your Chapter 13 payment must begin being paid within 30 days of the date the plan is filed. 7. If payments are missed, it is probable that your expected completion date will change. Note: You cannot complete your Plan as originally proposed if you don't make all of your payments into your Plan!! 8. If your employer is required to make deductions to the Trustee and fails to do so, it is your responsibility to mail the payment to the P.O. Box in Cleveland until deductions begin. Jerome Holub P.O. Box 73984-N Cleveland, OH 44193-1194 9. The plan will not work if payments are not received. If you have an interruption in employment, please contact the Trustee's Office to advise of your situation. Remember: Neither the trustee, nor his staff, can give you legal advice!! Contact your attorney. 10. All regularly employed Chapter 13 petitioners must make payments to the trustee by payroll deductions. All other payments received must be in the form of a cashier check or money order. Return to Home

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